Call reports 2019
CITIZENS STATE BANK OF NEW CASTLE — 2019
What CITIZENS STATE BANK OF NEW CASTLE 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 | 545,378,000 | 546,184,000 | 561,861,000 | 577,892,000 |
| Total loans | 346,793,000 | 353,708,000 | 360,532,000 | 360,182,000 |
| Allowance for loan losses | 5,140,000 | 5,248,000 | 5,365,000 | 5,447,000 |
| Securities available for sale | 88,774,000 | 85,127,000 | 79,996,000 | 84,380,000 |
| Securities held to maturity | 10,219,000 | 8,865,000 | 7,700,000 | 7,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,186,000 | 489,115,000 | 503,530,000 | 518,232,000 |
| Interest-bearing deposits | 471,380,000 | 471,519,000 | 483,519,000 | 500,734,000 |
| Noninterest-bearing deposits | 18,806,000 | 17,596,000 | 20,011,000 | 17,498,000 |
| Equity capital | 52,069,000 | 53,985,000 | 55,105,000 | 56,388,000 |
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 | 5,294,000 | 10,831,000 | 16,508,000 | 22,179,000 |
| Interest expense | 1,212,000 | 1,965,000 | 2,685,000 | 3,351,000 |
| Net interest income | 4,082,000 | 8,866,000 | 13,823,000 | 18,828,000 |
| Noninterest income | 1,270,000 | 2,620,000 | 3,861,000 | 5,178,000 |
| Noninterest expense | 4,065,000 | 8,197,000 | 12,350,000 | 16,435,000 |
| Provision for loan losses | 240,000 | 458,000 | 653,000 | 792,000 |
| Pretax income | 1,047,000 | 2,831,000 | 4,681,000 | 6,779,000 |
| Income tax | 251,000 | 675,000 | 1,129,000 | 1,705,000 |
| Net income | 796,000 | 2,156,000 | 3,552,000 | 5,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,999,000 | 54,036,000 | 55,111,000 | 56,309,000 |
| Total capital | 57,414,000 | 58,530,000 | 59,615,000 | 60,816,000 |
| Risk-weighted assets | 352,501,000 | 358,823,000 | 359,537,000 | 359,690,000 |