Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 813,188,000 | 828,708,000 | 851,413,000 | 964,232,000 |
| Total loans | 483,874,000 | 489,276,000 | 488,431,000 | 538,214,000 |
| Allowance for loan losses | 5,487,000 | 5,631,000 | 5,684,000 | 5,728,000 |
| Securities available for sale | 195,820,000 | 226,111,000 | 245,678,000 | 258,348,000 |
| Securities held to maturity | 10,092,000 | 10,995,000 | 10,624,000 | 10,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 720,224,000 | 732,127,000 | 750,550,000 | 858,840,000 |
| Interest-bearing deposits | 575,272,000 | 588,488,000 | 599,326,000 | 664,246,000 |
| Noninterest-bearing deposits | 144,952,000 | 143,639,000 | 151,224,000 | 194,594,000 |
| Equity capital | 84,795,000 | 87,844,000 | 91,337,000 | 98,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 8,544,000 | 17,251,000 | 25,272,000 | 33,617,000 |
| Interest expense | 807,000 | 1,539,000 | 2,204,000 | 2,836,000 |
| Net interest income | 7,737,000 | 15,712,000 | 23,068,000 | 30,781,000 |
| Noninterest income | 1,092,000 | 2,271,000 | 3,442,000 | 4,843,000 |
| Noninterest expense | 4,260,000 | 9,136,000 | 13,645,000 | 19,312,000 |
| Provision for loan losses | 563,000 | 750,000 | 765,000 | 945,000 |
| Pretax income | 4,023,000 | 8,118,000 | 12,120,000 | 15,364,000 |
| Income tax | 788,000 | 1,609,000 | 2,392,000 | 3,010,000 |
| Net income | 3,235,000 | 6,509,000 | 9,728,000 | 12,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,018,000 | 86,142,000 | 89,361,000 | 95,270,000 |