Call reports 2019
CITIZENS STATE BANK — 2019
What CITIZENS STATE BANK 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 | 282,590,000 | 299,381,000 | 307,307,000 | 299,344,000 |
| Total loans | 139,321,000 | 147,009,000 | 148,404,000 | 147,095,000 |
| Allowance for loan losses | 1,513,000 | 1,595,000 | 1,614,000 | 1,614,000 |
| Securities available for sale | 132,982,000 | 130,285,000 | 133,278,000 | 139,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,107,000 | 265,248,000 | 271,720,000 | 262,786,000 |
| Interest-bearing deposits | 177,595,000 | 188,453,000 | 194,027,000 | 186,333,000 |
| Noninterest-bearing deposits | 73,512,000 | 76,795,000 | 77,693,000 | 76,453,000 |
| Equity capital | 29,561,000 | 31,559,000 | 33,205,000 | 33,156,000 |
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 | 2,625,000 | 5,348,000 | 8,212,000 | 11,056,000 |
| Interest expense | 437,000 | 915,000 | 1,449,000 | 1,992,000 |
| Net interest income | 2,188,000 | 4,433,000 | 6,763,000 | 9,064,000 |
| Noninterest income | 204,000 | 413,000 | 638,000 | 858,000 |
| Noninterest expense | 1,189,000 | 2,340,000 | 3,531,000 | 4,789,000 |
| Provision for loan losses | 48,000 | 131,000 | 154,000 | 154,000 |
| Pretax income | 1,155,000 | 2,418,000 | 3,759,000 | 5,022,000 |
| Income tax | 156,000 | 336,000 | 529,000 | 718,000 |
| Net income | 999,000 | 2,082,000 | 3,230,000 | 4,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,254,000 | 31,856,000 | 33,003,000 | 32,711,000 |
| Total capital | 32,767,000 | 33,451,000 | 34,617,000 | 34,325,000 |
| Risk-weighted assets | 143,462,000 | 149,289,000 | 151,172,000 | 146,955,000 |