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 |
|---|---|---|
| Total assets | 55,271,000 | 55,848,000 |
| Total loans | 40,117,000 | 40,215,000 |
| Allowance for loan losses | 534,000 | 549,000 |
| Securities available for sale | 1,898,000 | 1,900,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 51,067,000 | 51,772,000 |
| Interest-bearing deposits | 37,978,000 | 42,943,000 |
| Noninterest-bearing deposits | 13,089,000 | 8,829,000 |
| Equity capital | 4,036,000 | 3,891,000 |
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 |
|---|---|---|
| Interest income | 609,000 | 1,236,000 |
| Interest expense | 55,000 | 109,000 |
| Net interest income | 554,000 | 1,127,000 |
| Noninterest income | 81,000 | 36,000 |
| Noninterest expense | 733,000 | 1,483,000 |
| Provision for loan losses | 15,000 | 30,000 |
| Pretax income | -113,000 | -350,000 |
| Income tax | -45,000 | -136,000 |
| Net income | -68,000 | -214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Tier 1 capital | 3,791,000 | 3,640,000 |
| Total capital | 4,325,000 | 4,177,000 |
| Risk-weighted assets | 43,165,000 | 42,922,000 |