Call reports 2019
CITIZENS STATE BANK, THE — 2019
What CITIZENS STATE BANK, THE 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 | 344,196,000 | 350,799,000 | 349,298,000 | 354,208,000 |
| Total loans | 275,017,000 | 279,268,000 | 276,001,000 | 277,321,000 |
| Allowance for loan losses | 3,641,000 | 3,664,000 | 3,690,000 | 3,685,000 |
| Securities available for sale | 45,935,000 | 48,264,000 | 46,953,000 | 47,003,000 |
| Securities held to maturity | 2,211,000 | 2,196,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,461,000 | 259,264,000 | 256,513,000 | 260,822,000 |
| Interest-bearing deposits | 224,218,000 | 225,947,000 | 221,243,000 | 222,301,000 |
| Noninterest-bearing deposits | 32,243,000 | 33,317,000 | 35,270,000 | 38,521,000 |
| Equity capital | 34,584,000 | 35,594,000 | 37,331,000 | 37,442,000 |
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 | 4,110,000 | 8,341,000 | 12,622,000 | 16,852,000 |
| Interest expense | 1,041,000 | 2,128,000 | 3,246,000 | 4,338,000 |
| Net interest income | 3,069,000 | 6,213,000 | 9,376,000 | 12,514,000 |
| Noninterest income | 141,000 | 289,000 | 445,000 | 624,000 |
| Noninterest expense | 1,144,000 | 2,375,000 | 3,617,000 | 4,876,000 |
| Provision for loan losses | 0 | 25,000 | 50,000 | 100,000 |
| Pretax income | 2,066,000 | 4,107,000 | 6,168,000 | 8,176,000 |
| Income tax | 126,000 | 210,000 | 293,000 | 352,000 |
| Net income | 1,940,000 | 3,897,000 | 5,875,000 | 7,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,878,000 | 33,196,000 | 34,894,000 | 35,072,000 |
| Total capital | 36,519,000 | 36,860,000 | 38,584,000 | 38,757,000 |
| Risk-weighted assets | 298,188,000 | 301,564,000 | 298,265,000 | 298,663,000 |