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 | 171,053,000 | 170,677,000 | 177,228,000 | 149,401,000 |
| Total loans | 123,624,000 | 129,455,000 | 132,099,000 | 106,454,000 |
| Allowance for loan losses | 1,196,000 | 1,251,000 | 1,281,000 | 1,310,000 |
| Securities available for sale | 37,667,000 | 32,308,000 | 36,308,000 | 33,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,456,000 | 133,847,000 | 130,108,000 | 134,279,000 |
| Interest-bearing deposits | 100,090,000 | 104,178,000 | 99,106,000 | 102,197,000 |
| Noninterest-bearing deposits | 32,366,000 | 29,668,000 | 31,003,000 | 32,083,000 |
| Equity capital | 13,059,000 | 13,580,000 | 13,831,000 | 13,710,000 |
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 | 1,873,000 | 3,855,000 | 5,815,000 | 7,825,000 |
| Interest expense | 123,000 | 249,000 | 370,000 | 502,000 |
| Net interest income | 1,750,000 | 3,606,000 | 5,445,000 | 7,323,000 |
| Noninterest income | 292,000 | 602,000 | 916,000 | 1,227,000 |
| Noninterest expense | 1,466,000 | 2,982,000 | 4,515,000 | 6,089,000 |
| Provision for loan losses | 53,000 | 106,000 | 158,000 | 211,000 |
| Pretax income | 565,000 | 1,217,000 | 1,793,000 | 2,382,000 |
| Income tax | 174,000 | 379,000 | 557,000 | 741,000 |
| Net income | 391,000 | 838,000 | 1,236,000 | 1,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,241,000 | 13,648,000 | 13,870,000 | 14,101,000 |
| Total capital | 14,437,000 | 14,899,000 | 15,151,000 | 15,301,000 |
| Risk-weighted assets | 106,087,000 | 105,096,000 | 108,823,000 | 95,949,000 |