Call reports 2017
CITIZENS STATE BANK — 2017
What CITIZENS STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 911,564,000 | 915,879,000 | 899,970,000 | 915,427,000 |
| Total loans | 136,757,000 | 140,055,000 | 141,684,000 | 148,593,000 |
| Allowance for loan losses | 2,220,000 | 2,083,000 | 2,419,000 | 2,708,000 |
| Securities available for sale | 732,161,000 | 731,856,000 | 706,312,000 | 710,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 812,478,000 | 805,001,000 | 779,288,000 | 796,116,000 |
| Interest-bearing deposits | 721,954,000 | 711,484,000 | 691,447,000 | 695,876,000 |
| Noninterest-bearing deposits | 90,524,000 | 93,517,000 | 87,841,000 | 100,240,000 |
| Equity capital | 96,053,000 | 106,543,000 | 109,524,000 | 115,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,438,000 | 15,015,000 | 22,481,000 | 30,000,000 |
| Interest expense | 1,752,000 | 3,554,000 | 5,408,000 | 7,322,000 |
| Net interest income | 5,686,000 | 11,461,000 | 17,073,000 | 22,678,000 |
| Noninterest income | 679,000 | 1,261,000 | 2,032,000 | 2,537,000 |
| Noninterest expense | 3,345,000 | 6,935,000 | 10,302,000 | 13,865,000 |
| Provision for loan losses | 145,000 | 329,000 | 451,000 | 761,000 |
| Pretax income | 2,880,000 | 5,598,000 | 8,845,000 | 11,150,000 |
| Income tax | 454,000 | 782,000 | 1,259,000 | -7,680,000 |
| Net income | 2,426,000 | 4,816,000 | 7,586,000 | 18,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,516,000 | 94,018,000 | 96,814,000 | 106,526,000 |
| Total capital | 95,736,000 | 96,101,000 | 99,233,000 | 109,234,000 |
| Risk-weighted assets | 326,315,000 | 327,990,000 | 322,512,000 | 346,569,000 |