Call reports 2020
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2020
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 208,356,000 | 222,994,000 | 218,819,000 | 235,989,000 |
| Total loans | 106,374,000 | 116,068,000 | 119,547,000 | 112,990,000 |
| Allowance for loan losses | 1,311,000 | 1,329,000 | 1,345,000 | 1,350,000 |
| Securities available for sale | 83,986,000 | 90,054,000 | 84,651,000 | 91,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,887,000 | 155,619,000 | 153,463,000 | 173,007,000 |
| Interest-bearing deposits | 114,159,000 | 119,548,000 | 118,550,000 | 129,399,000 |
| Noninterest-bearing deposits | 31,728,000 | 36,071,000 | 34,913,000 | 43,608,000 |
| Equity capital | 21,308,000 | 21,540,000 | 22,027,000 | 21,925,000 |
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 | 1,938,000 | 3,859,000 | 5,819,000 | 7,589,000 |
| Interest expense | 400,000 | 722,000 | 933,000 | 1,272,000 |
| Net interest income | 1,538,000 | 3,137,000 | 4,886,000 | 6,317,000 |
| Noninterest income | 374,000 | 716,000 | 1,079,000 | 1,461,000 |
| Noninterest expense | 1,265,000 | 2,509,000 | 3,779,000 | 5,026,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 632,000 | 1,314,000 | 2,141,000 | 2,692,000 |
| Income tax | 20,000 | 47,000 | 91,000 | 110,000 |
| Net income | 612,000 | 1,267,000 | 2,050,000 | 2,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,417,000 | 17,676,000 | 18,064,000 | 18,200,000 |
| Total capital | 18,728,000 | — | — | — |
| Risk-weighted assets | 112,568,000 | — | — | — |