Call reports 2020
CITIZENS STATE BANK, THE — 2020
What CITIZENS STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 361,745,000 | 372,714,000 | 366,099,000 | 371,446,000 |
| Total loans | 277,836,000 | 275,362,000 | 276,115,000 | 275,911,000 |
| Allowance for loan losses | 3,726,000 | 3,852,000 | 3,868,000 | 3,568,000 |
| Securities available for sale | 52,727,000 | 50,980,000 | 47,046,000 | 50,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,358,000 | 277,646,000 | 270,909,000 | 280,480,000 |
| Interest-bearing deposits | 233,471,000 | 237,748,000 | 230,091,000 | 235,695,000 |
| Noninterest-bearing deposits | 34,887,000 | 39,898,000 | 40,818,000 | 44,785,000 |
| Equity capital | 38,421,000 | 38,864,000 | 38,818,000 | 39,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,144,000 | 8,053,000 | 11,809,000 | 15,497,000 |
| Interest expense | 1,076,000 | 2,005,000 | 2,853,000 | 3,611,000 |
| Net interest income | 3,068,000 | 6,048,000 | 8,956,000 | 11,886,000 |
| Noninterest income | 161,000 | 290,000 | 422,000 | 604,000 |
| Noninterest expense | 1,219,000 | 2,421,000 | 3,693,000 | 4,999,000 |
| Provision for loan losses | 25,000 | 100,000 | 125,000 | 125,000 |
| Pretax income | 2,007,000 | 3,839,000 | 5,583,000 | 7,392,000 |
| Income tax | 97,000 | 191,000 | 286,000 | 331,000 |
| Net income | 1,910,000 | 3,648,000 | 5,297,000 | 7,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,257,000 | 35,564,000 | 35,707,000 | 35,934,000 |
| Total capital | 38,983,000 | 39,368,000 | 39,503,000 | 39,502,000 |
| Risk-weighted assets | 301,157,000 | 304,352,000 | 303,683,000 | 298,284,000 |