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 | 18,261,000 | 18,222,000 | 18,693,000 | 19,203,000 |
| Total loans | 15,895,000 | 15,248,000 | 16,453,000 | 16,112,000 |
| Allowance for loan losses | 106,000 | 110,000 | 113,000 | 117,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 35,000 | 35,000 | 124,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,749,000 | 14,939,000 | 14,242,000 | 15,604,000 |
| Interest-bearing deposits | 13,033,000 | 13,231,000 | 12,572,000 | 14,124,000 |
| Noninterest-bearing deposits | 1,716,000 | 1,708,000 | 1,670,000 | 1,480,000 |
| Equity capital | 1,629,000 | 1,647,000 | 1,696,000 | 1,711,000 |
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 | 221,000 | 444,000 | 681,000 | 915,000 |
| Interest expense | 27,000 | 57,000 | 87,000 | 117,000 |
| Net interest income | 194,000 | 387,000 | 594,000 | 798,000 |
| Noninterest income | 14,000 | 28,000 | 42,000 | 59,000 |
| Noninterest expense | 165,000 | 340,000 | 498,000 | 687,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 40,000 | 69,000 | 129,000 | 158,000 |
| Income tax | 2,000 | 13,000 | 34,000 | 49,000 |
| Net income | 38,000 | 56,000 | 95,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,629,000 | 1,647,000 | 1,696,000 | 1,711,000 |
| Total capital | 1,735,000 | 1,757,000 | 1,809,000 | 1,828,000 |
| Risk-weighted assets | 11,293,000 | 10,848,000 | 11,924,000 | 12,168,000 |