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 | 308,764,000 | 304,947,000 | 309,648,000 | 321,282,000 |
| Total loans | 181,445,000 | 177,458,000 | 179,398,000 | 191,124,000 |
| Allowance for loan losses | 3,291,000 | 3,385,000 | 3,269,000 | 3,359,000 |
| Securities available for sale | 85,936,000 | 83,171,000 | 84,257,000 | 86,686,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,648,000 | 258,480,000 | 262,589,000 | 274,383,000 |
| Interest-bearing deposits | 238,842,000 | 232,470,000 | 238,342,000 | 244,576,000 |
| Noninterest-bearing deposits | 25,806,000 | 26,010,000 | 24,247,000 | 29,807,000 |
| Equity capital | 36,829,000 | 37,988,000 | 38,648,000 | 38,466,000 |
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 | 2,662,000 | 5,752,000 | 8,150,000 | 10,574,000 |
| Interest expense | 476,000 | 866,000 | 1,169,000 | 1,455,000 |
| Net interest income | 2,186,000 | 4,886,000 | 6,981,000 | 9,119,000 |
| Noninterest income | 650,000 | 1,219,000 | 1,762,000 | 2,283,000 |
| Noninterest expense | 1,681,000 | 3,437,000 | 5,149,000 | 6,942,000 |
| Provision for loan losses | 90,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 1,065,000 | 2,548,000 | 3,477,000 | 4,346,000 |
| Income tax | 30,000 | 50,000 | 62,000 | 275,000 |
| Net income | 1,035,000 | 2,498,000 | 3,415,000 | 4,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,406,000 | 35,081,000 | 35,585,000 | 36,101,000 |
| Total capital | 36,892,000 | 37,526,000 | 38,031,000 | 38,726,000 |
| Risk-weighted assets | 197,993,000 | 194,657,000 | 194,908,000 | 209,114,000 |