Call reports 2021
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2021
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 238,754,000 | 234,224,000 | 234,416,000 | 255,289,000 |
| Total loans | 116,135,000 | 125,016,000 | 123,648,000 | 128,818,000 |
| Allowance for loan losses | 1,344,000 | 1,360,000 | 1,377,000 | 1,394,000 |
| Securities available for sale | 108,240,000 | 95,922,000 | 94,498,000 | 93,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,778,000 | 176,307,000 | 176,323,000 | 198,588,000 |
| Interest-bearing deposits | 134,397,000 | 132,587,000 | 128,719,000 | 144,558,000 |
| Noninterest-bearing deposits | 42,380,000 | 43,720,000 | 47,604,000 | 54,030,000 |
| Equity capital | 20,954,000 | 21,101,000 | 21,275,000 | 21,179,000 |
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 | 1,714,000 | 3,584,000 | 5,500,000 | 7,421,000 |
| Interest expense | 172,000 | 386,000 | 591,000 | 793,000 |
| Net interest income | 1,542,000 | 3,198,000 | 4,909,000 | 6,628,000 |
| Noninterest income | 394,000 | 816,000 | 1,260,000 | 1,710,000 |
| Noninterest expense | 1,266,000 | 2,522,000 | 3,848,000 | 5,209,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 655,000 | 1,466,000 | 2,280,000 | 3,073,000 |
| Income tax | 29,000 | 60,000 | 95,000 | 128,000 |
| Net income | 626,000 | 1,406,000 | 2,185,000 | 2,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,430,000 | 18,814,000 | 19,197,000 | 19,561,000 |
| Total capital | 19,774,000 | 20,174,000 | 20,574,000 | 20,955,000 |
| Risk-weighted assets | 123,432,000 | 125,010,000 | 126,646,000 | 146,035,000 |