Call reports 2016
CITIZENS STATE BANK, THE — 2016
What CITIZENS STATE BANK, THE 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 | 309,511,000 | 319,776,000 | 323,328,000 | 331,605,000 |
| Total loans | 250,302,000 | 257,531,000 | 258,945,000 | 267,026,000 |
| Allowance for loan losses | 3,177,000 | 3,205,000 | 3,250,000 | 3,246,000 |
| Securities available for sale | 48,332,000 | 46,432,000 | 47,049,000 | 46,559,000 |
| Securities held to maturity | 1,528,000 | 2,184,000 | 2,191,000 | 2,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,765,000 | 233,671,000 | 238,519,000 | 245,693,000 |
| Interest-bearing deposits | 199,124,000 | 204,909,000 | 206,590,000 | 209,358,000 |
| Noninterest-bearing deposits | 29,641,000 | 28,762,000 | 31,929,000 | 36,335,000 |
| Equity capital | 33,099,000 | 33,515,000 | 33,502,000 | 32,114,000 |
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 | 3,274,000 | 6,876,000 | 10,260,000 | 13,666,000 |
| Interest expense | 681,000 | 1,385,000 | 2,067,000 | 2,756,000 |
| Net interest income | 2,593,000 | 5,491,000 | 8,193,000 | 10,910,000 |
| Noninterest income | 177,000 | 353,000 | 536,000 | 707,000 |
| Noninterest expense | 1,024,000 | 2,149,000 | 3,232,000 | 4,453,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 1,721,000 | 3,645,000 | 5,422,000 | 7,064,000 |
| Income tax | 68,000 | 136,000 | 204,000 | 293,000 |
| Net income | 1,653,000 | 3,509,000 | 5,218,000 | 6,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,827,000 | 30,200,000 | 30,303,000 | 30,366,000 |
| Total capital | 33,004,000 | 33,405,000 | 33,553,000 | 33,612,000 |
| Risk-weighted assets | 268,373,000 | 280,784,000 | 282,631,000 | 289,836,000 |
Machine access — free, no API key
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