Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 152,269,000 | 181,394,000 | 183,037,000 | 184,384,000 |
| Total loans | 105,553,000 | 97,633,000 | 108,457,000 | 102,497,000 |
| Allowance for loan losses | 760,000 | 1,278,000 | 1,187,000 | 1,055,000 |
| Securities available for sale | 31,433,000 | 34,088,000 | 36,258,000 | 46,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,466,000 | 164,522,000 | 166,122,000 | 166,793,000 |
| Interest-bearing deposits | 100,243,000 | 116,704,000 | 114,575,000 | 115,287,000 |
| Noninterest-bearing deposits | 37,223,000 | 47,818,000 | 51,547,000 | 51,506,000 |
| Equity capital | 13,954,000 | 15,525,000 | 15,795,000 | 15,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,153,000 | 4,666,000 | 6,178,000 |
| Interest expense | 156,000 | 279,000 | 394,000 | 504,000 |
| Net interest income | 1,453,000 | 2,874,000 | 4,272,000 | 5,674,000 |
| Noninterest income | 264,000 | 492,000 | 739,000 | 1,440,000 |
| Noninterest expense | 1,644,000 | 869,000 | 2,232,000 | 3,621,000 |
| Provision for loan losses | 30,000 | 550,000 | 580,000 | 910,000 |
| Pretax income | 144,000 | 2,048,000 | 2,300,000 | 2,684,000 |
| Income tax | 16,000 | 402,000 | 444,000 | 587,000 |
| Net income | 128,000 | 1,646,000 | 1,856,000 | 2,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,294,000 | 15,413,000 | 15,600,000 | 15,664,000 |
| Total capital | 15,054,000 | 16,396,000 | 16,634,000 | 16,688,000 |
| Risk-weighted assets | 89,300,000 | 78,393,000 | 82,625,000 | 81,928,000 |