Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK 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 | 123,342,000 | 129,416,000 | 123,499,000 | 124,247,000 |
| Total loans | 111,325,000 | 113,003,000 | 110,445,000 | 99,778,000 |
| Allowance for loan losses | 1,367,000 | 1,403,000 | 1,442,000 | 1,396,000 |
| Securities available for sale | 1,818,000 | 1,284,000 | 798,000 | 271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,892,000 | 118,442,000 | 112,065,000 | 112,730,000 |
| Interest-bearing deposits | 81,714,000 | 88,254,000 | 85,831,000 | 83,079,000 |
| Noninterest-bearing deposits | 31,178,000 | 30,188,000 | 26,234,000 | 29,651,000 |
| Equity capital | 10,291,000 | 10,732,000 | 11,131,000 | 11,309,000 |
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 | 1,480,000 | 3,171,000 | 4,848,000 | 6,378,000 |
| Interest expense | 65,000 | 165,000 | 271,000 | 373,000 |
| Net interest income | 1,415,000 | 3,006,000 | 4,577,000 | 6,005,000 |
| Noninterest income | 102,000 | 203,000 | 309,000 | 415,000 |
| Noninterest expense | 670,000 | 1,367,000 | 2,025,000 | 2,749,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 165,000 |
| Pretax income | 817,000 | 1,767,000 | 2,741,000 | 3,506,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 817,000 | 1,767,000 | 2,741,000 | 3,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,279,000 | 10,718,000 | 11,122,000 | 11,302,000 |
| Total capital | 11,549,000 | 12,026,000 | 12,365,000 | 12,445,000 |
| Risk-weighted assets | 101,521,000 | 104,614,000 | 99,251,000 | 91,203,000 |