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 | 21,006,000 | 23,574,000 | 23,524,000 | 23,224,000 |
| Total loans | 17,990,000 | 19,597,000 | 20,178,000 | 19,241,000 |
| Allowance for loan losses | 137,000 | 139,000 | 141,000 | 142,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,912,000 | 18,068,000 | 18,128,000 | 18,675,000 |
| Interest-bearing deposits | 14,184,000 | 16,136,000 | 16,492,000 | 16,796,000 |
| Noninterest-bearing deposits | 1,728,000 | 1,932,000 | 1,636,000 | 1,879,000 |
| Equity capital | 2,099,000 | 2,151,000 | 2,222,000 | 2,235,000 |
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 | 255,000 | 537,000 | 833,000 | 1,128,000 |
| Interest expense | 53,000 | 117,000 | 192,000 | 268,000 |
| Net interest income | 202,000 | 420,000 | 641,000 | 860,000 |
| Noninterest income | 18,000 | 37,000 | 54,000 | 72,000 |
| Noninterest expense | 174,000 | 349,000 | 506,000 | 710,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 44,000 | 105,000 | 184,000 | 216,000 |
| Income tax | 8,000 | 17,000 | 25,000 | 44,000 |
| Net income | 36,000 | 88,000 | 159,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,099,000 | 2,151,000 | 2,222,000 | 2,235,000 |
| Total capital | 2,236,000 | 2,290,000 | 2,363,000 | 2,377,000 |
| Risk-weighted assets | 14,412,000 | 15,657,000 | 16,588,000 | 15,772,000 |