Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK 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 | 158,203,000 | 165,768,000 | 170,015,000 | 168,674,000 |
| Total loans | 117,422,000 | 120,869,000 | 125,037,000 | 123,987,000 |
| Allowance for loan losses | 1,692,000 | 1,692,000 | 1,692,000 | 1,692,000 |
| Securities available for sale | 358,000 | 368,000 | 366,000 | 362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,456,000 | 149,788,000 | 153,368,000 | 151,882,000 |
| Interest-bearing deposits | 108,107,000 | 106,879,000 | 109,114,000 | 106,509,000 |
| Noninterest-bearing deposits | 34,349,000 | 42,909,000 | 44,254,000 | 45,373,000 |
| Equity capital | 15,369,000 | 15,587,000 | 16,237,000 | 16,471,000 |
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 | 1,850,000 | 3,556,000 | 5,591,000 | 7,312,000 |
| Interest expense | 330,000 | 595,000 | 774,000 | 921,000 |
| Net interest income | 1,520,000 | 2,961,000 | 4,817,000 | 6,391,000 |
| Noninterest income | 69,000 | 193,000 | 291,000 | 392,000 |
| Noninterest expense | 733,000 | 1,582,000 | 2,431,000 | 3,208,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 854,000 | 1,572,000 | 2,677,000 | 3,575,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 854,000 | 1,572,000 | 2,677,000 | 3,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,369,000 | 15,575,000 | 16,225,000 | 16,471,000 |
| Total capital | 16,734,000 | 16,928,000 | 17,564,000 | — |
| Risk-weighted assets | 108,903,000 | 107,925,000 | 106,823,000 | — |