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 | 26,272,000 | 25,877,000 | 27,394,000 | 25,695,000 |
| Total loans | 17,478,000 | 18,136,000 | 19,971,000 | 20,430,000 |
| Allowance for loan losses | 170,000 | 188,000 | 189,000 | 191,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 105,000 | 105,000 | 105,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,805,000 | 21,058,000 | 21,698,000 | 20,455,000 |
| Interest-bearing deposits | 18,661,000 | 18,234,000 | 18,647,000 | 17,428,000 |
| Noninterest-bearing deposits | 3,144,000 | 2,824,000 | 3,051,000 | 3,027,000 |
| Equity capital | 2,501,000 | 2,570,000 | 2,603,000 | 2,606,000 |
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 | 245,000 | 495,000 | 765,000 | 1,034,000 |
| Interest expense | 61,000 | 118,000 | 172,000 | 223,000 |
| Net interest income | 184,000 | 377,000 | 593,000 | 811,000 |
| Noninterest income | 146,000 | 251,000 | 263,000 | 284,000 |
| Noninterest expense | 196,000 | 389,000 | 568,000 | 792,000 |
| Provision for loan losses | 22,000 | 39,000 | 41,000 | 42,000 |
| Pretax income | 112,000 | 200,000 | 247,000 | 261,000 |
| Income tax | 18,000 | 37,000 | 51,000 | 63,000 |
| Net income | 94,000 | 163,000 | 196,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,501,000 | 2,570,000 | 2,603,000 | 2,606,000 |