Call reports 2018
CITIZENS STATE BANK, THE — 2018
What CITIZENS STATE BANK, THE 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 | 191,770,000 | 197,382,000 | 189,893,000 | 200,850,000 |
| Total loans | 136,502,000 | 137,131,000 | 130,238,000 | 131,634,000 |
| Allowance for loan losses | 1,175,000 | 1,211,000 | 1,265,000 | 1,366,000 |
| Securities available for sale | 28,401,000 | 27,447,000 | 28,168,000 | 28,806,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,121,000 | 180,347,000 | 172,349,000 | 182,901,000 |
| Interest-bearing deposits | 122,465,000 | 130,263,000 | 125,516,000 | 128,350,000 |
| Noninterest-bearing deposits | 52,657,000 | 50,084,000 | 46,833,000 | 54,552,000 |
| Equity capital | 15,832,000 | 16,347,000 | 16,821,000 | 17,264,000 |
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 | 1,956,000 | 4,035,000 | 6,150,000 | 8,287,000 |
| Interest expense | 160,000 | 348,000 | 555,000 | 765,000 |
| Net interest income | 1,796,000 | 3,687,000 | 5,595,000 | 7,522,000 |
| Noninterest income | 173,000 | 355,000 | 515,000 | 744,000 |
| Noninterest expense | 1,257,000 | 2,455,000 | 3,705,000 | 5,302,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 250,000 |
| Pretax income | 662,000 | 1,487,000 | 2,255,000 | 2,714,000 |
| Income tax | 146,000 | 333,000 | 505,000 | 604,000 |
| Net income | 516,000 | 1,154,000 | 1,750,000 | 2,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,068,000 | 16,654,000 | 17,198,000 | 17,522,000 |
| Total capital | 17,243,000 | 17,865,000 | 18,463,000 | 18,888,000 |
| Risk-weighted assets | 132,590,000 | 134,012,000 | 127,655,000 | 130,932,000 |