Call reports 2019
CITIZENS STATE BANK OF ROSEAU — 2019
What CITIZENS STATE BANK OF ROSEAU 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 | 213,709,000 | 220,537,000 | 221,026,000 | 224,555,000 |
| Total loans | 115,530,000 | 121,785,000 | 124,089,000 | 125,596,000 |
| Allowance for loan losses | 1,527,000 | 1,515,000 | 1,632,000 | 1,500,000 |
| Securities available for sale | 62,393,000 | 62,778,000 | 57,233,000 | 53,237,000 |
| Securities held to maturity | 22,612,000 | 26,563,000 | 30,147,000 | 33,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,617,000 | 191,075,000 | 191,062,000 | 194,654,000 |
| Interest-bearing deposits | 154,111,000 | 159,864,000 | 159,269,000 | 160,153,000 |
| Noninterest-bearing deposits | 31,506,000 | 31,211,000 | 31,793,000 | 34,501,000 |
| Equity capital | 27,399,000 | 28,496,000 | 28,961,000 | 29,215,000 |
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 | 1,967,000 | 4,038,000 | 6,162,000 | 8,322,000 |
| Interest expense | 333,000 | 709,000 | 1,117,000 | 1,529,000 |
| Net interest income | 1,634,000 | 3,329,000 | 5,045,000 | 6,793,000 |
| Noninterest income | 173,000 | 389,000 | 674,000 | 922,000 |
| Noninterest expense | 1,143,000 | 2,220,000 | 3,340,000 | 4,461,000 |
| Provision for loan losses | 27,000 | 54,000 | 82,000 | 210,000 |
| Pretax income | 637,000 | 1,444,000 | 2,320,000 | 3,078,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 636,000 | 1,443,000 | 2,318,000 | 3,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,712,000 | 27,969,000 | 28,494,000 | 28,902,000 |
| Total capital | 29,239,000 | 29,484,000 | 30,126,000 | 30,402,000 |
| Risk-weighted assets | 167,410,000 | 173,023,000 | 178,166,000 | 169,987,000 |