Call reports 2021
CITIZENS STATE BANK — 2021
What CITIZENS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 351,644,000 | 354,036,000 | 365,578,000 | 373,444,000 |
| Total loans | 171,438,000 | 184,274,000 | 188,228,000 | 183,589,000 |
| Allowance for loan losses | 1,919,000 | 2,057,000 | 2,113,000 | 2,135,000 |
| Securities available for sale | 139,902,000 | 142,509,000 | 144,024,000 | 144,521,000 |
| Securities held to maturity | 4,970,000 | 4,983,000 | 4,996,000 | 4,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,936,000 | 312,703,000 | 323,231,000 | 331,117,000 |
| Interest-bearing deposits | 209,208,000 | 212,672,000 | 216,240,000 | 226,505,000 |
| Noninterest-bearing deposits | 101,728,000 | 100,031,000 | 106,991,000 | 104,612,000 |
| Equity capital | 38,561,000 | 38,640,000 | 40,135,000 | 39,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,666,000 | 5,496,000 | 8,421,000 | 11,383,000 |
| Interest expense | 255,000 | 493,000 | 712,000 | 922,000 |
| Net interest income | 2,411,000 | 5,003,000 | 7,709,000 | 10,461,000 |
| Noninterest income | 195,000 | 401,000 | 646,000 | 853,000 |
| Noninterest expense | 1,187,000 | 2,432,000 | 3,760,000 | 5,220,000 |
| Provision for loan losses | 3,000 | 141,000 | 199,000 | 224,000 |
| Pretax income | 1,507,000 | 2,982,000 | 4,547,000 | 6,021,000 |
| Income tax | 212,000 | 417,000 | 681,000 | 839,000 |
| Net income | 1,295,000 | 2,565,000 | 3,866,000 | 5,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,834,000 | 37,459,000 | 38,760,000 | 38,463,000 |