Call reports 2018
CITIZENS STATE BANK — 2018
What CITIZENS STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 922,812,000 | 923,082,000 | 897,317,000 | 912,998,000 |
| Total loans | 155,017,000 | 166,828,000 | 166,206,000 | 169,848,000 |
| Allowance for loan losses | 2,642,000 | 2,657,000 | 2,595,000 | 2,637,000 |
| Securities available for sale | 713,853,000 | 700,874,000 | 677,613,000 | 684,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 814,071,000 | 816,179,000 | 797,398,000 | 807,123,000 |
| Interest-bearing deposits | 722,272,000 | 708,917,000 | 700,565,000 | 698,994,000 |
| Noninterest-bearing deposits | 91,799,000 | 107,262,000 | 96,833,000 | 108,129,000 |
| Equity capital | 105,501,000 | 103,315,000 | 95,702,000 | 101,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,471,000 | 15,158,000 | 22,763,000 | 30,459,000 |
| Interest expense | 1,990,000 | 4,171,000 | 6,639,000 | 9,304,000 |
| Net interest income | 5,481,000 | 10,987,000 | 16,124,000 | 21,155,000 |
| Noninterest income | 680,000 | 1,348,000 | 2,031,000 | 2,719,000 |
| Noninterest expense | 3,466,000 | 6,852,000 | 10,264,000 | 13,770,000 |
| Provision for loan losses | 23,000 | 45,000 | 105,000 | 165,000 |
| Pretax income | 2,737,000 | 5,544,000 | 7,895,000 | 10,059,000 |
| Income tax | 0 | 2,000 | -51,000 | 25,000 |
| Net income | 2,737,000 | 5,542,000 | 7,946,000 | 10,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,316,000 | 107,156,000 | 107,203,000 | 106,581,000 |
| Total capital | 109,958,000 | 109,813,000 | 109,798,000 | 109,218,000 |
| Risk-weighted assets | 355,331,000 | 363,875,000 | 362,636,000 | 372,292,000 |