Call reports 2021
CITIZENS STATE BANK, THE — 2021
What CITIZENS STATE BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 398,161,000 | 382,717,000 | 385,268,000 | 390,087,000 |
| Total loans | 267,514,000 | 275,002,000 | 272,516,000 | 273,244,000 |
| Allowance for loan losses | 3,596,000 | 3,592,000 | 3,536,000 | 3,550,000 |
| Securities available for sale | 64,259,000 | 70,470,000 | 69,162,000 | 69,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,885,000 | 302,117,000 | 303,546,000 | 309,354,000 |
| Interest-bearing deposits | 257,264,000 | 249,186,000 | 252,576,000 | 249,255,000 |
| Noninterest-bearing deposits | 52,621,000 | 52,931,000 | 50,970,000 | 60,099,000 |
| Equity capital | 37,887,000 | 38,793,000 | 39,449,000 | 38,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,455,000 | 7,392,000 | 11,493,000 | 14,910,000 |
| Interest expense | 663,000 | 1,278,000 | 1,807,000 | 2,315,000 |
| Net interest income | 2,792,000 | 6,114,000 | 9,686,000 | 12,595,000 |
| Noninterest income | 198,000 | 340,000 | 487,000 | 831,000 |
| Noninterest expense | 1,354,000 | 2,722,000 | 4,012,000 | 5,350,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 70,000 |
| Pretax income | 1,611,000 | 3,707,000 | 6,136,000 | 8,006,000 |
| Income tax | 75,000 | 150,000 | 225,000 | 331,000 |
| Net income | 1,536,000 | 3,557,000 | 5,911,000 | 7,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,823,000 | 36,523,000 | 37,156,000 | 36,942,000 |