Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 121,653,000 | 119,807,000 | 117,280,000 | 133,096,000 |
| Total loans | 77,622,000 | 81,139,000 | 85,239,000 | 88,920,000 |
| Allowance for loan losses | 934,000 | 951,000 | 963,000 | 978,000 |
| Securities available for sale | 19,934,000 | 20,051,000 | 20,573,000 | 25,922,000 |
| Securities held to maturity | 8,000 | 7,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,839,000 | 102,607,000 | 99,651,000 | 115,243,000 |
| Interest-bearing deposits | 79,811,000 | 82,622,000 | 79,077,000 | 90,913,000 |
| Noninterest-bearing deposits | 25,028,000 | 19,985,000 | 20,574,000 | 24,330,000 |
| Equity capital | 16,396,000 | 16,767,000 | 17,094,000 | 17,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,350,000 | 2,695,000 | 4,068,000 | 5,478,000 |
| Interest expense | 207,000 | 421,000 | 643,000 | 840,000 |
| Net interest income | 1,143,000 | 2,274,000 | 3,425,000 | 4,638,000 |
| Noninterest income | 446,000 | 525,000 | 623,000 | 301,000 |
| Noninterest expense | 856,000 | 1,722,000 | 2,582,000 | 3,398,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 733,000 | 1,077,000 | 1,466,000 | 1,951,000 |
| Income tax | 173,000 | 246,000 | 328,000 | 423,000 |
| Net income | 560,000 | 831,000 | 1,138,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,389,000 | 16,660,000 | 16,966,000 | 17,357,000 |
| Total capital | 17,323,000 | 17,611,000 | 17,929,000 | 18,335,000 |
| Risk-weighted assets | 89,206,000 | 92,146,000 | 96,204,000 | 103,400,000 |