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 | 123,021,000 | 119,261,000 | 115,661,000 | 120,835,000 |
| Total loans | 76,806,000 | 79,765,000 | 83,650,000 | 84,897,000 |
| Allowance for loan losses | 1,149,000 | 1,166,000 | 1,180,000 | 1,194,000 |
| Securities available for sale | 28,503,000 | 25,007,000 | 23,040,000 | 21,267,000 |
| Securities held to maturity | 73,000 | 71,000 | 20,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,897,000 | 102,648,000 | 95,753,000 | 104,237,000 |
| Interest-bearing deposits | 81,462,000 | 80,141,000 | 72,223,000 | 79,018,000 |
| Noninterest-bearing deposits | 25,435,000 | 22,507,000 | 23,530,000 | 25,219,000 |
| Equity capital | 15,587,000 | 16,073,000 | 16,350,000 | 16,425,000 |
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 | 1,264,000 | 2,577,000 | 3,928,000 | 5,282,000 |
| Interest expense | 78,000 | 156,000 | 232,000 | 310,000 |
| Net interest income | 1,186,000 | 2,421,000 | 3,696,000 | 4,972,000 |
| Noninterest income | 71,000 | 177,000 | 260,000 | 398,000 |
| Noninterest expense | 796,000 | 1,635,000 | 2,482,000 | 3,306,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 461,000 | 963,000 | 1,474,000 | 2,064,000 |
| Income tax | 143,000 | 303,000 | 461,000 | 631,000 |
| Net income | 318,000 | 660,000 | 1,013,000 | 1,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,268,000 | 15,610,000 | 15,964,000 | 16,383,000 |
| Total capital | 16,352,000 | 16,719,000 | 17,113,000 | 17,537,000 |
| Risk-weighted assets | 86,710,000 | 88,685,000 | 91,901,000 | 92,295,000 |