Call reports 2016
CITIZENS STATE BANK AND TRUST COMPANY — 2016
What CITIZENS STATE BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 87,041,000 | 83,760,000 | 84,396,000 | 88,587,000 |
| Total loans | 46,918,000 | 48,306,000 | 50,017,000 | 50,187,000 |
| Allowance for loan losses | 410,000 | 410,000 | 410,000 | 429,000 |
| Securities available for sale | 27,565,000 | 27,626,000 | 26,126,000 | 27,923,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,870,000 | 66,906,000 | 65,314,000 | 71,365,000 |
| Interest-bearing deposits | 52,657,000 | 51,321,000 | 51,933,000 | 54,390,000 |
| Noninterest-bearing deposits | 15,213,000 | 15,585,000 | 13,381,000 | 16,975,000 |
| Equity capital | 13,006,000 | 13,193,000 | 13,326,000 | 13,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 655,000 | 1,323,000 | 2,009,000 | 2,689,000 |
| Interest expense | 39,000 | 76,000 | 113,000 | 151,000 |
| Net interest income | 616,000 | 1,247,000 | 1,896,000 | 2,538,000 |
| Noninterest income | 226,000 | 367,000 | 550,000 | 817,000 |
| Noninterest expense | 535,000 | 1,150,000 | 1,688,000 | 2,302,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 307,000 | 464,000 | 758,000 | 1,033,000 |
| Income tax | 5,000 | 9,000 | 25,000 | 43,000 |
| Net income | 302,000 | 455,000 | 733,000 | 990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,955,000 | 13,036,000 | 13,245,000 | 13,440,000 |
| Total capital | 13,365,000 | 13,446,000 | 13,655,000 | 13,869,000 |
| Risk-weighted assets | 60,963,000 | 59,886,000 | 62,028,000 | 62,767,000 |