Call reports 2020
CITIZENS STATE BANK OF LANKIN — 2020
What CITIZENS STATE BANK OF LANKIN 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 | 47,181,000 | 50,219,000 | 51,201,000 | 51,706,000 |
| Total loans | 28,381,000 | 29,845,000 | 31,777,000 | 31,878,000 |
| Allowance for loan losses | 345,000 | 344,000 | 344,000 | 343,000 |
| Securities available for sale | 14,224,000 | 15,484,000 | 15,102,000 | 14,020,000 |
| Securities held to maturity | 54,000 | 30,000 | 30,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,718,000 | 40,785,000 | 39,659,000 | 41,755,000 |
| Interest-bearing deposits | 28,077,000 | 29,452,000 | 21,170,000 | 27,770,000 |
| Noninterest-bearing deposits | 10,641,000 | 11,333,000 | 18,489,000 | 13,985,000 |
| Equity capital | 4,975,000 | 5,692,000 | 5,689,000 | 5,854,000 |
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 | 568,000 | 1,130,000 | 1,608,000 | 2,189,000 |
| Interest expense | 55,000 | 109,000 | 163,000 | 216,000 |
| Net interest income | 513,000 | 1,021,000 | 1,445,000 | 1,973,000 |
| Noninterest income | 45,000 | 96,000 | 131,000 | 218,000 |
| Noninterest expense | 456,000 | 900,000 | 1,367,000 | 1,812,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 138,000 | 276,000 | 269,000 | 486,000 |
| Income tax | 21,000 | 21,000 | 21,000 | 40,000 |
| Net income | 117,000 | 255,000 | 248,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,990,000 | 5,127,000 | 5,120,000 | 5,318,000 |
| Total capital | 5,344,000 | 5,471,000 | 5,464,000 | 5,661,000 |
| Risk-weighted assets | 39,899,000 | 34,233,000 | 35,334,000 | 35,957,000 |