Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK 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 | 97,116,000 | 95,096,000 | 92,607,000 | 95,472,000 |
| Total loans | 59,503,000 | 55,180,000 | 54,999,000 | 52,851,000 |
| Allowance for loan losses | 672,000 | 656,000 | 808,000 | 800,000 |
| Securities available for sale | 27,455,000 | 30,280,000 | 29,880,000 | 29,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,035,000 | 68,716,000 | 66,884,000 | 69,902,000 |
| Interest-bearing deposits | 58,413,000 | 57,218,000 | 56,076,000 | 58,122,000 |
| Noninterest-bearing deposits | 11,622,000 | 11,498,000 | 10,808,000 | 11,780,000 |
| Equity capital | 22,320,000 | 22,885,000 | 22,804,000 | 22,513,000 |
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 | 1,063,000 | 2,067,000 | 3,092,000 | 4,109,000 |
| Interest expense | 168,000 | 341,000 | 522,000 | 715,000 |
| Net interest income | 895,000 | 1,726,000 | 2,570,000 | 3,394,000 |
| Noninterest income | 84,000 | 166,000 | 232,000 | 286,000 |
| Noninterest expense | 528,000 | 1,046,000 | 1,679,000 | 2,262,000 |
| Provision for loan losses | 0 | 0 | 400,000 | 400,000 |
| Pretax income | 454,000 | 849,000 | 726,000 | 1,021,000 |
| Income tax | 23,000 | 43,000 | 36,000 | 61,000 |
| Net income | 431,000 | 806,000 | 690,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,787,000 | 22,039,000 | 21,800,000 | 21,576,000 |
| Total capital | 22,460,000 | 22,695,000 | 22,561,000 | 22,363,000 |
| Risk-weighted assets | 68,690,000 | 64,890,000 | 60,799,000 | 62,963,000 |