Call reports 2019
CITIZENS STATE BANK OF LANKIN — 2019
What CITIZENS STATE BANK OF LANKIN 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 | 45,750,000 | 46,231,000 | 48,074,000 | 48,287,000 |
| Total loans | 27,465,000 | 28,811,000 | 30,112,000 | 29,661,000 |
| Allowance for loan losses | 344,000 | 344,000 | 344,000 | 344,000 |
| Securities available for sale | 12,005,000 | 12,028,000 | 12,009,000 | 12,504,000 |
| Securities held to maturity | 80,000 | 55,000 | 56,000 | 54,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,410,000 | 37,333,000 | 36,058,000 | 37,462,000 |
| Interest-bearing deposits | 29,033,000 | 27,835,000 | 26,831,000 | 26,495,000 |
| Noninterest-bearing deposits | 11,377,000 | 9,498,000 | 9,227,000 | 10,967,000 |
| Equity capital | 4,743,000 | 5,056,000 | 5,321,000 | 5,418,000 |
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 | 509,000 | 1,022,000 | 1,593,000 | 2,162,000 |
| Interest expense | 45,000 | 89,000 | 163,000 | 226,000 |
| Net interest income | 464,000 | 933,000 | 1,430,000 | 1,936,000 |
| Noninterest income | 47,000 | 97,000 | 148,000 | 205,000 |
| Noninterest expense | 359,000 | 727,000 | 1,110,000 | 1,551,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 152,000 | 312,000 | 477,000 | 599,000 |
| Income tax | 0 | 0 | 0 | -2,000 |
| Net income | 152,000 | 312,000 | 477,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,648,000 | 4,809,000 | 4,973,000 | 5,099,000 |
| Total capital | 5,003,000 | 5,163,000 | 5,330,000 | 5,456,000 |
| Risk-weighted assets | 37,660,000 | 33,548,000 | 37,683,000 | 39,232,000 |