Call reports 2021
CITIZENS STATE BANK OF ROSEAU — 2021
What CITIZENS STATE BANK OF ROSEAU reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 274,465,000 | 280,808,000 | 282,530,000 | 290,312,000 |
| Total loans | 131,391,000 | 135,111,000 | 126,243,000 | 136,974,000 |
| Allowance for loan losses | 1,549,000 | 1,606,000 | 1,641,000 | 1,625,000 |
| Securities available for sale | 68,453,000 | 73,281,000 | 71,096,000 | 76,472,000 |
| Securities held to maturity | 60,217,000 | 63,753,000 | 62,821,000 | 62,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,128,000 | 247,882,000 | 248,843,000 | 258,053,000 |
| Interest-bearing deposits | 175,497,000 | 184,768,000 | 198,870,000 | 206,201,000 |
| Noninterest-bearing deposits | 66,631,000 | 63,114,000 | 49,973,000 | 51,852,000 |
| Equity capital | 31,612,000 | 32,097,000 | 32,604,000 | 31,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,212,000 | 4,311,000 | 6,231,000 | 8,144,000 |
| Interest expense | 185,000 | 340,000 | 481,000 | 620,000 |
| Net interest income | 2,027,000 | 3,971,000 | 5,750,000 | 7,524,000 |
| Noninterest income | 282,000 | 613,000 | 980,000 | 1,304,000 |
| Noninterest expense | 1,149,000 | 2,262,000 | 3,471,000 | 4,683,000 |
| Provision for loan losses | 30,000 | 58,000 | 85,000 | 137,000 |
| Pretax income | 1,130,000 | 2,268,000 | 3,176,000 | 4,011,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 399,000 |
| Net income | 1,129,000 | 2,267,000 | 3,174,000 | 3,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,668,000 | 31,406,000 | 31,913,000 | 32,051,000 |