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 | 39,145,000 | 36,514,000 | 35,798,000 | 34,206,000 |
| Total loans | 32,685,000 | 27,715,000 | 28,120,000 | 27,063,000 |
| Allowance for loan losses | 362,000 | 512,000 | 349,000 | 446,000 |
| Securities available for sale | 1,881,000 | 1,692,000 | 3,836,000 | 3,594,000 |
| Securities held to maturity | 1,829,000 | 1,725,000 | 1,771,000 | 1,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,774,000 | 31,288,000 | 30,152,000 | 28,642,000 |
| Interest-bearing deposits | 24,309,000 | 24,378,000 | 23,122,000 | 21,984,000 |
| Noninterest-bearing deposits | 7,465,000 | 6,910,000 | 7,030,000 | 6,658,000 |
| Equity capital | 3,216,000 | 2,999,000 | 3,129,000 | 2,951,000 |
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 | 366,000 | 716,000 | 1,047,000 | 1,372,000 |
| Interest expense | 36,000 | 75,000 | 110,000 | 146,000 |
| Net interest income | 330,000 | 641,000 | 937,000 | 1,226,000 |
| Noninterest income | 32,000 | 61,000 | 104,000 | 148,000 |
| Noninterest expense | 276,000 | 685,000 | 858,000 | 1,161,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 250,000 |
| Pretax income | 86,000 | -133,000 | 78,000 | 8,000 |
| Income tax | 12,000 | 15,000 | 18,000 | 4,000 |
| Net income | 74,000 | -148,000 | 60,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,179,000 | 2,956,000 | 3,165,000 | 3,054,000 |
| Total capital | 3,532,000 | 3,273,000 | 3,485,000 | 3,365,000 |
| Risk-weighted assets | 28,236,000 | 25,212,000 | 25,593,000 | 24,764,000 |