Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK 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 | 148,393,000 | 152,423,000 | 155,224,000 | 158,984,000 |
| Total loans | 122,018,000 | 122,799,000 | 122,871,000 | 116,637,000 |
| Allowance for loan losses | 1,608,000 | 1,548,000 | 1,644,000 | 1,660,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,814,000 | 137,534,000 | 139,894,000 | 143,352,000 |
| Interest-bearing deposits | 101,917,000 | 106,022,000 | 105,616,000 | 107,974,000 |
| Noninterest-bearing deposits | 31,897,000 | 31,512,000 | 34,278,000 | 35,378,000 |
| Equity capital | 14,276,000 | 14,498,000 | 14,821,000 | 15,217,000 |
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 | 1,886,000 | 3,821,000 | 5,773,000 | 7,763,000 |
| Interest expense | 336,000 | 688,000 | 1,063,000 | 1,425,000 |
| Net interest income | 1,550,000 | 3,133,000 | 4,710,000 | 6,338,000 |
| Noninterest income | 76,000 | 133,000 | 190,000 | 336,000 |
| Noninterest expense | 663,000 | 1,458,000 | 2,219,000 | 3,055,000 |
| Provision for loan losses | 0 | 45,000 | 90,000 | 135,000 |
| Pretax income | 963,000 | 1,763,000 | 2,591,000 | 3,484,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 963,000 | 1,763,000 | 2,591,000 | 3,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,276,000 | 14,498,000 | 14,821,000 | 15,217,000 |
| Total capital | 15,618,000 | 15,867,000 | 16,192,000 | 16,705,000 |
| Risk-weighted assets | 107,102,000 | 109,368,000 | 109,482,000 | 118,945,000 |