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 | 286,749,000 | 302,429,000 | 303,899,000 | 305,058,000 |
| Total loans | 201,009,000 | 197,458,000 | 190,379,000 | 189,323,000 |
| Allowance for loan losses | 2,731,000 | 2,569,000 | 3,100,000 | 3,164,000 |
| Securities available for sale | 44,262,000 | 55,888,000 | 68,660,000 | 80,709,000 |
| Securities held to maturity | 239,000 | 239,000 | 239,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,667,000 | 259,218,000 | 260,132,000 | 259,963,000 |
| Interest-bearing deposits | 231,498,000 | 236,044,000 | 236,770,000 | 236,488,000 |
| Noninterest-bearing deposits | 20,169,000 | 23,174,000 | 23,361,000 | 23,475,000 |
| Equity capital | 32,898,000 | 35,631,000 | 36,239,000 | 37,446,000 |
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 | 2,971,000 | 5,977,000 | 8,844,000 | 11,575,000 |
| Interest expense | 740,000 | 1,361,000 | 1,935,000 | 2,467,000 |
| Net interest income | 2,231,000 | 4,616,000 | 6,909,000 | 9,108,000 |
| Noninterest income | 402,000 | 1,136,000 | 1,783,000 | 2,464,000 |
| Noninterest expense | 1,640,000 | 3,326,000 | 5,016,000 | 6,799,000 |
| Provision for loan losses | 555,000 | 705,000 | 1,005,000 | 1,110,000 |
| Pretax income | 454,000 | 1,737,000 | 2,687,000 | 3,679,000 |
| Income tax | 5,000 | 22,000 | 34,000 | 47,000 |
| Net income | 449,000 | 1,715,000 | 2,653,000 | 3,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,673,000 | 32,371,000 | 32,896,000 | 33,825,000 |
| Total capital | 34,265,000 | 34,933,000 | 35,416,000 | 36,378,000 |
| Risk-weighted assets | 207,234,000 | 204,961,000 | 201,040,000 | 203,686,000 |