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 | 205,434,000 | 209,048,000 | 216,246,000 | 223,068,000 |
| Total loans | 163,078,000 | 169,509,000 | 178,120,000 | 181,724,000 |
| Allowance for loan losses | 1,980,000 | 2,040,000 | 2,100,000 | 2,165,000 |
| Securities available for sale | 24,827,000 | 25,267,000 | 26,264,000 | 26,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,894,000 | 181,083,000 | 183,057,000 | 189,978,000 |
| Interest-bearing deposits | 149,814,000 | 147,714,000 | 148,179,000 | 155,711,000 |
| Noninterest-bearing deposits | 32,080,000 | 33,369,000 | 34,878,000 | 34,267,000 |
| Equity capital | 16,813,000 | 17,400,000 | 17,938,000 | 18,255,000 |
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 | 2,327,000 | 4,714,000 | 7,176,000 | 9,699,000 |
| Interest expense | 499,000 | 982,000 | 1,448,000 | 1,924,000 |
| Net interest income | 1,828,000 | 3,732,000 | 5,728,000 | 7,775,000 |
| Noninterest income | 175,000 | 491,000 | 743,000 | 1,135,000 |
| Noninterest expense | 1,452,000 | 2,949,000 | 4,490,000 | 6,166,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 544,000 | 1,219,000 | 1,866,000 | 2,613,000 |
| Income tax | 131,000 | 300,000 | 463,000 | 668,000 |
| Net income | 413,000 | 919,000 | 1,403,000 | 1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,829,000 | 17,235,000 | 17,620,000 | 18,061,000 |
| Total capital | 18,753,000 | 19,240,000 | 19,720,000 | 20,226,000 |
| Risk-weighted assets | 153,869,000 | 160,357,000 | 168,690,000 | 173,499,000 |