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 | 156,960,000 | 158,661,000 | 159,192,000 | 164,608,000 |
| Total loans | 118,920,000 | 119,579,000 | 120,665,000 | 124,429,000 |
| Allowance for loan losses | 1,500,000 | 1,544,000 | 1,531,000 | 1,553,000 |
| Securities available for sale | 22,808,000 | 23,561,000 | 25,002,000 | 23,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,812,000 | 141,923,000 | 141,838,000 | 147,778,000 |
| Interest-bearing deposits | 110,500,000 | 111,672,000 | 109,374,000 | 114,272,000 |
| Noninterest-bearing deposits | 30,312,000 | 30,251,000 | 32,464,000 | 33,507,000 |
| Equity capital | 13,162,000 | 13,600,000 | 13,597,000 | 13,085,000 |
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 | 1,471,000 | 3,020,000 | 4,503,000 | 6,062,000 |
| Interest expense | 117,000 | 257,000 | 405,000 | 546,000 |
| Net interest income | 1,354,000 | 2,763,000 | 4,098,000 | 5,516,000 |
| Noninterest income | 223,000 | 416,000 | 612,000 | 579,000 |
| Noninterest expense | 1,315,000 | 2,507,000 | 3,785,000 | 5,109,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 350,000 | 834,000 | 1,093,000 | 1,154,000 |
| Income tax | 75,000 | 250,000 | 334,000 | 387,000 |
| Net income | 275,000 | 584,000 | 759,000 | 767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,007,000 | 13,266,000 | 13,392,000 | 13,349,000 |
| Total capital | 14,382,000 | 14,669,000 | 14,845,000 | 14,818,000 |
| Risk-weighted assets | 109,847,000 | 112,165,000 | 116,154,000 | 117,410,000 |