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 | 258,754,000 | 261,050,000 | 263,560,000 | 273,537,000 |
| Total loans | 198,956,000 | 200,193,000 | 200,398,000 | 199,552,000 |
| Allowance for loan losses | 2,149,000 | 4,137,000 | 2,555,000 | 2,683,000 |
| Securities available for sale | 43,250,000 | 43,112,000 | 44,513,000 | 45,596,000 |
| Securities held to maturity | 401,000 | 401,000 | 401,000 | 239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,327,000 | 226,356,000 | 227,691,000 | 237,345,000 |
| Interest-bearing deposits | 200,771,000 | 207,031,000 | 209,971,000 | 216,959,000 |
| Noninterest-bearing deposits | 20,556,000 | 19,325,000 | 17,720,000 | 20,386,000 |
| Equity capital | 33,724,000 | 32,497,000 | 33,063,000 | 33,933,000 |
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 | 2,933,000 | 5,934,000 | 8,920,000 | 12,097,000 |
| Interest expense | 587,000 | 1,209,000 | 1,881,000 | 2,566,000 |
| Net interest income | 2,346,000 | 4,725,000 | 7,039,000 | 9,531,000 |
| Noninterest income | 338,000 | 744,000 | 1,221,000 | 1,672,000 |
| Noninterest expense | 1,586,000 | 3,234,000 | 4,793,000 | 6,365,000 |
| Provision for loan losses | 75,000 | 2,095,000 | 2,475,000 | 2,925,000 |
| Pretax income | 1,015,000 | 138,000 | 994,000 | 1,921,000 |
| Income tax | 13,000 | 1,000 | 11,000 | 23,000 |
| Net income | 1,002,000 | 137,000 | 983,000 | 1,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,155,000 | 30,278,000 | 30,609,000 | 31,479,000 |
| Total capital | 34,304,000 | 32,814,000 | 33,148,000 | 34,162,000 |
| Risk-weighted assets | 201,639,000 | 201,318,000 | 203,146,000 | 202,609,000 |