Call reports 2020
CITIZENS STATE BANK OF MILFORD — 2020
What CITIZENS STATE BANK OF MILFORD 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 | 43,472,000 | 47,086,000 | 49,481,000 | 52,934,000 |
| Total loans | 23,493,000 | 23,737,000 | 26,376,000 | 24,743,000 |
| Allowance for loan losses | 119,000 | 124,000 | 126,000 | 126,000 |
| Securities available for sale | 6,564,000 | 6,438,000 | 6,049,000 | 5,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,111,000 | 39,416,000 | 41,791,000 | 45,493,000 |
| Interest-bearing deposits | 29,507,000 | 29,885,000 | 31,446,000 | 31,724,000 |
| Noninterest-bearing deposits | 9,604,000 | 9,531,000 | 10,345,000 | 13,769,000 |
| Equity capital | 4,303,000 | 4,609,000 | 4,631,000 | 4,387,000 |
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 | 421,000 | 867,000 | 1,262,000 | 1,591,000 |
| Interest expense | 30,000 | 58,000 | 83,000 | 105,000 |
| Net interest income | 391,000 | 809,000 | 1,179,000 | 1,486,000 |
| Noninterest income | 54,000 | 108,000 | 176,000 | 268,000 |
| Noninterest expense | 419,000 | 816,000 | 1,237,000 | 1,707,000 |
| Provision for loan losses | -2,000 | 3,000 | 5,000 | 5,000 |
| Pretax income | 28,000 | 99,000 | 114,000 | 43,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 28,000 | 99,000 | 114,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,256,000 | 4,327,000 | 4,342,000 | 4,171,000 |
| Total capital | 4,375,000 | 4,451,000 | 4,468,000 | 4,297,000 |
| Risk-weighted assets | 30,340,000 | 30,708,000 | 33,301,000 | 31,490,000 |
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