Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK 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 | 272,964,000 | 260,073,000 | 267,252,000 | 266,667,000 |
| Total loans | 185,568,000 | 208,319,000 | 209,051,000 | 204,098,000 |
| Allowance for loan losses | 2,316,000 | 2,363,000 | 2,423,000 | 2,322,000 |
| Securities available for sale | 11,265,000 | 10,257,000 | 9,502,000 | 8,716,000 |
| Securities held to maturity | 9,216,000 | 9,050,000 | 8,893,000 | 8,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,065,000 | 235,908,000 | 238,187,000 | 234,731,000 |
| Interest-bearing deposits | 227,101,000 | 213,778,000 | 213,756,000 | 211,569,000 |
| Noninterest-bearing deposits | 21,963,000 | 22,130,000 | 24,431,000 | 23,161,000 |
| Equity capital | 23,426,000 | 23,588,000 | 23,265,000 | 23,635,000 |
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 | 3,504,000 | 6,926,000 | 10,403,000 | 13,771,000 |
| Interest expense | 680,000 | 1,309,000 | 1,929,000 | 2,569,000 |
| Net interest income | 2,824,000 | 5,617,000 | 8,474,000 | 11,202,000 |
| Noninterest income | 313,000 | 395,000 | 549,000 | 725,000 |
| Noninterest expense | 2,015,000 | 4,104,000 | 5,985,000 | 7,808,000 |
| Provision for loan losses | 243,000 | 620,000 | 1,375,000 | 1,728,000 |
| Pretax income | 879,000 | 1,288,000 | 1,663,000 | 2,391,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 879,000 | 1,288,000 | 1,663,000 | 2,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,672,000 | 23,851,000 | 23,534,000 | 24,038,000 |
| Total capital | 25,988,000 | 26,214,000 | 25,957,000 | 26,360,000 |
| Risk-weighted assets | 194,096,000 | 217,152,000 | 222,948,000 | 219,899,000 |