Call reports 2020
CITIZENS STATE BANK — 2020
What CITIZENS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 238,489,000 | 262,096,000 | 266,891,000 | 268,933,000 |
| Total loans | 189,346,000 | 211,707,000 | 222,219,000 | 211,053,000 |
| Allowance for loan losses | 2,312,000 | 2,442,000 | 2,580,000 | 3,283,000 |
| Securities available for sale | 25,828,000 | 26,902,000 | 31,270,000 | 29,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,752,000 | 222,512,000 | 218,949,000 | 227,590,000 |
| Interest-bearing deposits | 161,594,000 | 174,187,000 | 174,853,000 | 181,277,000 |
| Noninterest-bearing deposits | 34,158,000 | 48,325,000 | 44,096,000 | 46,313,000 |
| Equity capital | 18,523,000 | 19,248,000 | 20,500,000 | 21,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,480,000 | 5,055,000 | 7,651,000 | 10,928,000 |
| Interest expense | 467,000 | 866,000 | 1,180,000 | 1,449,000 |
| Net interest income | 2,013,000 | 4,189,000 | 6,471,000 | 9,479,000 |
| Noninterest income | 237,000 | 493,000 | 760,000 | 1,056,000 |
| Noninterest expense | 1,519,000 | 3,108,000 | 4,751,000 | 6,390,000 |
| Provision for loan losses | 147,000 | 267,000 | 387,000 | 1,065,000 |
| Pretax income | 584,000 | 1,307,000 | 2,144,000 | 3,183,000 |
| Income tax | 166,000 | 332,000 | 548,000 | 792,000 |
| Net income | 418,000 | 975,000 | 1,596,000 | 2,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,380,000 | 18,836,000 | 19,957,000 | 20,653,000 |
| Total capital | 20,663,000 | 21,278,000 | 22,536,000 | 23,159,000 |
| Risk-weighted assets | 182,571,000 | 204,919,000 | 213,855,000 | 199,673,000 |