Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 96,269,000 | 94,913,000 | 92,151,000 | 93,191,000 |
| Total loans | 52,502,000 | 52,985,000 | 50,839,000 | 50,802,000 |
| Allowance for loan losses | 788,000 | 787,000 | 771,000 | 771,000 |
| Securities available for sale | 36,724,000 | 34,618,000 | 34,398,000 | 33,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,791,000 | 68,061,000 | 65,300,000 | 67,803,000 |
| Interest-bearing deposits | 59,121,000 | 57,923,000 | 55,257,000 | 56,291,000 |
| Noninterest-bearing deposits | 10,671,000 | 10,138,000 | 10,043,000 | 11,512,000 |
| Equity capital | 22,224,000 | 22,658,000 | 22,778,000 | 21,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 1,973,000 | 2,950,000 | 3,903,000 |
| Interest expense | 118,000 | 235,000 | 353,000 | 482,000 |
| Net interest income | 871,000 | 1,738,000 | 2,597,000 | 3,421,000 |
| Noninterest income | 87,000 | 154,000 | 223,000 | 293,000 |
| Noninterest expense | 512,000 | 1,019,000 | 1,545,000 | 2,128,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 474,000 | 924,000 | 1,325,000 | 1,696,000 |
| Income tax | 24,000 | 46,000 | 66,000 | 90,000 |
| Net income | 450,000 | 878,000 | 1,259,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,729,000 | 20,910,000 | 21,168,000 | 20,898,000 |
| Total capital | 21,495,000 | 21,681,000 | 21,913,000 | 21,649,000 |
| Risk-weighted assets | 61,291,000 | 61,641,000 | 59,597,000 | 60,066,000 |