Call reports 2019
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2019
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 190,817,000 | 192,805,000 | 191,451,000 | 209,472,000 |
| Total loans | 100,813,000 | 106,562,000 | 107,690,000 | 105,560,000 |
| Allowance for loan losses | 1,232,000 | 1,245,000 | 1,234,000 | 1,307,000 |
| Securities available for sale | 70,609,000 | 75,449,000 | 71,390,000 | 78,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,194,000 | 132,967,000 | 131,607,000 | 148,852,000 |
| Interest-bearing deposits | 111,581,000 | 104,944,000 | 102,037,000 | 113,073,000 |
| Noninterest-bearing deposits | 29,613,000 | 28,023,000 | 29,570,000 | 35,780,000 |
| Equity capital | 18,155,000 | 18,732,000 | 19,228,000 | 19,378,000 |
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 | 1,856,000 | 3,794,000 | 5,705,000 | 7,667,000 |
| Interest expense | 413,000 | 907,000 | 1,416,000 | 1,954,000 |
| Net interest income | 1,443,000 | 2,887,000 | 4,289,000 | 5,713,000 |
| Noninterest income | 325,000 | 667,000 | 1,093,000 | 1,484,000 |
| Noninterest expense | 1,257,000 | 2,486,000 | 3,734,000 | 4,849,000 |
| Provision for loan losses | 22,000 | 40,000 | 58,000 | 143,000 |
| Pretax income | 489,000 | 1,060,000 | 1,623,000 | 2,239,000 |
| Income tax | 20,000 | 46,000 | 71,000 | 102,000 |
| Net income | 469,000 | 1,014,000 | 1,552,000 | 2,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,718,000 | 16,867,000 | 17,010,000 | 17,201,000 |
| Total capital | 17,950,000 | 18,112,000 | 18,244,000 | 18,508,000 |
| Risk-weighted assets | 103,615,000 | 108,897,000 | 109,735,000 | 112,561,000 |