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 | 149,736,000 | 152,979,000 | 142,959,000 | 146,934,000 |
| Total loans | 90,822,000 | 99,636,000 | 95,924,000 | 93,890,000 |
| Allowance for loan losses | 890,000 | 910,000 | 929,000 | 968,000 |
| Securities available for sale | 29,340,000 | 30,423,000 | 29,546,000 | 36,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,421,000 | 137,995,000 | 127,773,000 | 131,955,000 |
| Interest-bearing deposits | 101,992,000 | 100,929,000 | 93,679,000 | 96,176,000 |
| Noninterest-bearing deposits | 33,429,000 | 37,066,000 | 34,094,000 | 35,779,000 |
| Equity capital | 13,636,000 | 14,291,000 | 14,453,000 | 14,153,000 |
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 | 1,754,000 | 3,637,000 | 5,450,000 | 7,150,000 |
| Interest expense | 171,000 | 347,000 | 523,000 | 686,000 |
| Net interest income | 1,583,000 | 3,290,000 | 4,927,000 | 6,464,000 |
| Noninterest income | 310,000 | 612,000 | 906,000 | 1,190,000 |
| Noninterest expense | 1,530,000 | 3,191,000 | 4,711,000 | 6,408,000 |
| Provision for loan losses | 37,000 | 71,000 | 90,000 | 134,000 |
| Pretax income | 326,000 | 640,000 | 1,038,000 | 1,118,000 |
| Income tax | 52,000 | 104,000 | 168,000 | 176,000 |
| Net income | 274,000 | 536,000 | 870,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,990,000 | 14,161,000 | 14,345,000 | 14,167,000 |
| Total capital | 14,880,000 | 15,981,000 | 15,274,000 | 15,135,000 |
| Risk-weighted assets | 84,806,000 | 86,214,000 | 83,225,000 | 81,009,000 |