Call reports 2020
CITIZENS STATE BANK AND TRUST COMPANY — 2020
What CITIZENS STATE BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 88,665,000 | 103,416,000 | 99,181,000 | 102,147,000 |
| Total loans | 50,831,000 | 50,773,000 | 50,830,000 | 47,105,000 |
| Allowance for loan losses | 634,000 | 631,000 | 630,000 | 621,000 |
| Securities available for sale | 23,026,000 | 29,568,000 | 33,520,000 | 27,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,597,000 | 72,110,000 | 69,202,000 | 75,075,000 |
| Interest-bearing deposits | 53,518,000 | 54,953,000 | 52,515,000 | 55,363,000 |
| Noninterest-bearing deposits | 14,079,000 | 17,157,000 | 16,687,000 | 19,712,000 |
| Equity capital | 15,427,000 | 15,376,000 | 15,300,000 | 15,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,698,000 | 2,397,000 | 3,214,000 |
| Interest expense | 49,000 | 81,000 | 112,000 | 142,000 |
| Net interest income | 796,000 | 1,617,000 | 2,285,000 | 3,072,000 |
| Noninterest income | 174,000 | 278,000 | 437,000 | 708,000 |
| Noninterest expense | 620,000 | 1,288,000 | 1,894,000 | 2,600,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 350,000 | 607,000 | 828,000 | 1,180,000 |
| Income tax | 17,000 | 28,000 | 40,000 | 52,000 |
| Net income | 333,000 | 579,000 | 788,000 | 1,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,144,000 | 15,155,000 | 15,129,000 | 15,235,000 |
| Total capital | 15,778,000 | 15,786,000 | 15,759,000 | 15,856,000 |
| Risk-weighted assets | 57,255,000 | 69,592,000 | 67,465,000 | 61,225,000 |