Call reports 2016
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2016
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 175,074,000 | 171,136,000 | 171,851,000 | 181,923,000 |
| Total loans | 94,306,000 | 97,045,000 | 100,102,000 | 100,398,000 |
| Allowance for loan losses | 869,000 | 898,000 | 930,000 | 1,001,000 |
| Securities available for sale | 66,385,000 | 61,633,000 | 58,358,000 | 63,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,936,000 | 130,006,000 | 125,844,000 | 138,364,000 |
| Interest-bearing deposits | 114,253,000 | 101,587,000 | 97,446,000 | 103,115,000 |
| Noninterest-bearing deposits | 26,683,000 | 28,419,000 | 28,398,000 | 35,249,000 |
| Equity capital | 17,278,000 | 18,149,000 | 18,451,000 | 16,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,604,000 | 3,267,000 | 4,880,000 | 6,477,000 |
| Interest expense | 161,000 | 341,000 | 513,000 | 709,000 |
| Net interest income | 1,443,000 | 2,926,000 | 4,367,000 | 5,768,000 |
| Noninterest income | 286,000 | 574,000 | 857,000 | 1,161,000 |
| Noninterest expense | 1,160,000 | 2,265,000 | 3,421,000 | 4,594,000 |
| Provision for loan losses | 30,000 | 105,000 | 125,000 | 201,000 |
| Pretax income | 642,000 | 1,259,000 | 1,807,000 | 2,263,000 |
| Income tax | 34,000 | 60,000 | 83,000 | 93,000 |
| Net income | 608,000 | 1,199,000 | 1,724,000 | 2,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,121,000 | 15,340,000 | 15,493,000 | 15,637,000 |
| Total capital | 15,990,000 | 16,238,000 | 16,423,000 | 16,638,000 |
| Risk-weighted assets | 95,333,000 | 97,022,000 | 97,964,000 | 100,464,000 |