Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK 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 | 114,026,000 | 112,498,000 | 111,473,000 | 114,956,000 |
| Total loans | 54,608,000 | 57,957,000 | 56,637,000 | 55,385,000 |
| Allowance for loan losses | 454,000 | 455,000 | 450,000 | 450,000 |
| Securities available for sale | 33,875,000 | 33,897,000 | 36,795,000 | 39,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,415,000 | 85,827,000 | 84,803,000 | 89,322,000 |
| Interest-bearing deposits | 67,528,000 | 68,500,000 | 48,088,000 | 49,284,000 |
| Noninterest-bearing deposits | 19,887,000 | 17,327,000 | 36,715,000 | 40,038,000 |
| Equity capital | 23,056,000 | 23,291,000 | 23,548,000 | 22,941,000 |
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 | 877,000 | 1,722,000 | 2,562,000 | 3,432,000 |
| Interest expense | 107,000 | 212,000 | 308,000 | 406,000 |
| Net interest income | 770,000 | 1,510,000 | 2,254,000 | 3,026,000 |
| Noninterest income | 131,000 | 413,000 | 938,000 | 1,027,000 |
| Noninterest expense | 614,000 | 1,239,000 | 1,925,000 | 2,641,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 287,000 | 684,000 | 1,320,000 | 1,465,000 |
| Income tax | 14,000 | 34,000 | 66,000 | 41,000 |
| Net income | 273,000 | 650,000 | 1,254,000 | 1,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,915,000 | 22,168,000 | 22,649,000 | 22,326,000 |
| Total capital | 22,369,000 | 22,623,000 | 23,099,000 | 22,776,000 |
| Risk-weighted assets | 68,605,000 | 67,624,000 | 69,764,000 | 69,188,000 |
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