Call reports 2021
CITIZENS STATE BANK AND TRUST COMPANY — 2021
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 113,805,000 | 112,702,000 | 110,495,000 | 113,940,000 |
| Total loans | 45,942,000 | 44,764,000 | 43,545,000 | 49,327,000 |
| Allowance for loan losses | 620,000 | 621,000 | 622,000 | 622,000 |
| Securities available for sale | 31,171,000 | 47,617,000 | 44,057,000 | 44,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,719,000 | 85,809,000 | 85,066,000 | 86,737,000 |
| Interest-bearing deposits | 61,364,000 | 63,312,000 | 64,472,000 | 64,927,000 |
| Noninterest-bearing deposits | 23,355,000 | 22,497,000 | 20,594,000 | 21,810,000 |
| Equity capital | 15,283,000 | 15,076,000 | 15,045,000 | 14,854,000 |
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 | 663,000 | 1,351,000 | 2,041,000 | 2,711,000 |
| Interest expense | 27,000 | 54,000 | 82,000 | 109,000 |
| Net interest income | 636,000 | 1,297,000 | 1,959,000 | 2,602,000 |
| Noninterest income | 196,000 | 337,000 | 525,000 | 717,000 |
| Noninterest expense | 593,000 | 1,256,000 | 1,901,000 | 2,535,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 239,000 | 378,000 | 583,000 | 784,000 |
| Income tax | 16,000 | 28,000 | 39,000 | 44,000 |
| Net income | 223,000 | 350,000 | 544,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,220,000 | 15,147,000 | 15,136,000 | 14,463,000 |
| Total capital | 15,840,000 | 15,768,000 | 15,758,000 | 15,085,000 |
| Risk-weighted assets | 61,149,000 | 57,882,000 | 55,919,000 | 62,482,000 |