Call reports 2020
CITIZENS STATE BANK OF NEW CASTLE — 2020
What CITIZENS STATE BANK OF NEW CASTLE 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 | 582,060,000 | 670,329,000 | 675,710,000 | 691,918,000 |
| Total loans | 366,236,000 | 418,695,000 | 419,577,000 | 409,979,000 |
| Allowance for loan losses | 5,594,000 | 6,220,000 | 6,951,000 | 7,217,000 |
| Securities available for sale | 81,514,000 | 78,599,000 | 118,422,000 | 163,232,000 |
| Securities held to maturity | 4,505,000 | 4,504,000 | 4,095,000 | 3,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 515,453,000 | 607,156,000 | 611,425,000 | 626,026,000 |
| Interest-bearing deposits | 497,106,000 | 585,717,000 | 587,230,000 | 599,698,000 |
| Noninterest-bearing deposits | 18,347,000 | 21,439,000 | 24,195,000 | 26,328,000 |
| Equity capital | 58,143,000 | 59,831,000 | 60,783,000 | 62,384,000 |
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 | 5,581,000 | 11,523,000 | 17,549,000 | 23,395,000 |
| Interest expense | 576,000 | 898,000 | 1,151,000 | 1,368,000 |
| Net interest income | 5,005,000 | 10,625,000 | 16,398,000 | 22,027,000 |
| Noninterest income | 1,337,000 | 2,504,000 | 3,780,000 | 5,060,000 |
| Noninterest expense | 4,218,000 | 8,659,000 | 12,867,000 | 17,150,000 |
| Provision for loan losses | 220,000 | 925,000 | 1,695,000 | 2,067,000 |
| Pretax income | 1,904,000 | 3,545,000 | 5,616,000 | 7,870,000 |
| Income tax | 467,000 | 822,000 | 1,325,000 | 1,910,000 |
| Net income | 1,437,000 | 2,723,000 | 4,291,000 | 5,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,424,000 | 58,387,000 | 59,633,000 | 60,979,000 |
| Total capital | 61,973,000 | 62,879,000 | 64,290,000 | 65,892,000 |
| Risk-weighted assets | 362,929,000 | 357,651,000 | 370,327,000 | 390,813,000 |