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 | 282,585,000 | 300,900,000 | 303,093,000 | 317,042,000 |
| Total loans | 217,853,000 | 220,073,000 | 216,996,000 | 215,242,000 |
| Allowance for loan losses | 3,437,000 | 3,514,000 | 3,638,000 | 3,636,000 |
| Securities available for sale | 34,025,000 | 36,427,000 | 36,303,000 | 39,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,990,000 | 249,640,000 | 251,536,000 | 264,808,000 |
| Interest-bearing deposits | 189,589,000 | 194,005,000 | 197,116,000 | 204,452,000 |
| Noninterest-bearing deposits | 52,401,000 | 55,635,000 | 54,419,000 | 60,356,000 |
| Equity capital | 22,615,000 | 32,068,000 | 32,835,000 | 33,423,000 |
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 | 2,727,000 | 5,505,000 | 8,495,000 | 11,380,000 |
| Interest expense | 227,000 | 421,000 | 588,000 | 765,000 |
| Net interest income | 2,500,000 | 5,084,000 | 7,907,000 | 10,615,000 |
| Noninterest income | 259,000 | 608,000 | 937,000 | 1,283,000 |
| Noninterest expense | 1,656,000 | 3,307,000 | 4,974,000 | 6,940,000 |
| Provision for loan losses | 150,000 | 225,000 | 300,000 | 300,000 |
| Pretax income | 1,122,000 | 2,363,000 | 3,773,000 | 4,861,000 |
| Income tax | 289,000 | 613,000 | 986,000 | 1,270,000 |
| Net income | 833,000 | 1,750,000 | 2,787,000 | 3,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,386,000 | 31,653,000 | 32,490,000 | 33,094,000 |
| Total capital | 24,973,000 | — | — | — |
| Risk-weighted assets | 206,144,000 | — | — | — |
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