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 | 229,790,000 | 234,934,000 | 239,466,000 | 249,422,000 |
| Total loans | 173,327,000 | 174,955,000 | 172,389,000 | 175,523,000 |
| Allowance for loan losses | 1,856,000 | 1,819,000 | 1,802,000 | 1,786,000 |
| Securities available for sale | 40,169,000 | 40,921,000 | 45,800,000 | 49,542,000 |
| Securities held to maturity | 687,000 | 687,000 | 687,000 | 852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,286,000 | 202,650,000 | 207,115,000 | 207,658,000 |
| Interest-bearing deposits | 175,165,000 | 180,933,000 | 184,310,000 | 180,298,000 |
| Noninterest-bearing deposits | 22,122,000 | 21,717,000 | 22,805,000 | 27,360,000 |
| Equity capital | 29,692,000 | 29,862,000 | 30,322,000 | 29,778,000 |
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 | 2,338,000 | 4,705,000 | 7,063,000 | 9,389,000 |
| Interest expense | 246,000 | 503,000 | 775,000 | 1,053,000 |
| Net interest income | 2,092,000 | 4,202,000 | 6,288,000 | 8,336,000 |
| Noninterest income | 338,000 | 683,000 | 1,039,000 | 1,321,000 |
| Noninterest expense | 1,488,000 | 2,968,000 | 4,380,000 | 5,805,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 981,000 | 1,960,000 | 2,990,000 | 3,860,000 |
| Income tax | 13,000 | 26,000 | 39,000 | 57,000 |
| Net income | 968,000 | 1,934,000 | 2,951,000 | 3,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,002,000 | 27,023,000 | 27,531,000 | 28,384,000 |
| Total capital | 28,858,000 | 28,842,000 | 29,333,000 | 30,170,000 |
| Risk-weighted assets | 176,447,000 | 178,194,000 | 176,972,000 | 182,119,000 |