Call reports 2020
CITIZENS STATE BANK OF ROSEAU — 2020
What CITIZENS STATE BANK OF ROSEAU 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 | 224,027,000 | 246,521,000 | 251,754,000 | 258,658,000 |
| Total loans | 122,946,000 | 133,767,000 | 131,905,000 | 130,410,000 |
| Allowance for loan losses | 1,535,000 | 1,562,000 | 1,465,000 | 1,525,000 |
| Securities available for sale | 50,122,000 | 51,006,000 | 50,009,000 | 53,192,000 |
| Securities held to maturity | 35,436,000 | 41,150,000 | 45,049,000 | 58,833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,064,000 | 214,649,000 | 219,352,000 | 226,485,000 |
| Interest-bearing deposits | 159,907,000 | 172,593,000 | 177,870,000 | 172,605,000 |
| Noninterest-bearing deposits | 34,157,000 | 42,056,000 | 41,482,000 | 53,880,000 |
| Equity capital | 29,224,000 | 30,958,000 | 31,476,000 | 31,687,000 |
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 | 2,091,000 | 4,439,000 | 6,397,000 | 8,319,000 |
| Interest expense | 396,000 | 734,000 | 1,027,000 | 1,257,000 |
| Net interest income | 1,695,000 | 3,705,000 | 5,370,000 | 7,062,000 |
| Noninterest income | 195,000 | 514,000 | 1,030,000 | 1,411,000 |
| Noninterest expense | 1,120,000 | 2,247,000 | 3,402,000 | 4,635,000 |
| Provision for loan losses | 35,000 | 361,000 | 478,000 | 539,000 |
| Pretax income | 765,000 | 1,681,000 | 2,592,000 | 3,389,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 764,000 | 1,680,000 | 2,590,000 | 3,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,166,000 | 29,482,000 | 30,042,000 | 30,439,000 |