Call reports 2016
CITIZENS STATE BANK — 2016
What CITIZENS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 238,315,000 | 243,750,000 | 246,840,000 | 251,044,000 |
| Total loans | 91,246,000 | 94,822,000 | 97,027,000 | 96,102,000 |
| Allowance for loan losses | 1,031,000 | 1,073,000 | 1,089,000 | 1,089,000 |
| Securities available for sale | 136,356,000 | 135,634,000 | 137,644,000 | 139,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,176,000 | 214,380,000 | 216,663,000 | 224,135,000 |
| Interest-bearing deposits | 144,875,000 | 149,299,000 | 149,985,000 | 155,169,000 |
| Noninterest-bearing deposits | 65,301,000 | 65,081,000 | 66,678,000 | 68,966,000 |
| Equity capital | 26,428,000 | 27,151,000 | 28,131,000 | 24,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,006,000 | 4,003,000 | 6,032,000 | 8,065,000 |
| Interest expense | 172,000 | 344,000 | 517,000 | 693,000 |
| Net interest income | 1,834,000 | 3,659,000 | 5,515,000 | 7,372,000 |
| Noninterest income | 189,000 | 378,000 | 581,000 | 772,000 |
| Noninterest expense | 1,117,000 | 2,221,000 | 3,353,000 | 4,513,000 |
| Provision for loan losses | 23,000 | 61,000 | 84,000 | 88,000 |
| Pretax income | 1,004,000 | 1,956,000 | 2,903,000 | 3,787,000 |
| Income tax | 175,000 | 342,000 | 502,000 | 649,000 |
| Net income | 829,000 | 1,614,000 | 2,401,000 | 3,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,295,000 | 25,655,000 | 26,442,000 | 26,108,000 |
| Total capital | 26,326,000 | 26,728,000 | 27,531,000 | 27,197,000 |
| Risk-weighted assets | 105,767,000 | 108,246,000 | 110,679,000 | 112,145,000 |