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 | 120,648,000 | 119,611,000 | 117,949,000 | 120,703,000 |
| Total loans | 85,674,000 | 86,509,000 | 87,795,000 | 89,950,000 |
| Allowance for loan losses | 1,331,000 | 1,349,000 | 1,367,000 | 1,385,000 |
| Securities available for sale | 10,334,000 | 10,000,000 | 9,580,000 | 9,123,000 |
| Securities held to maturity | 12,564,000 | 11,991,000 | 11,779,000 | 11,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,625,000 | 101,310,000 | 98,030,000 | 101,482,000 |
| Interest-bearing deposits | 82,025,000 | 77,203,000 | 74,718,000 | 76,284,000 |
| Noninterest-bearing deposits | 22,600,000 | 24,107,000 | 23,312,000 | 25,198,000 |
| Equity capital | 15,883,000 | 15,964,000 | 16,205,000 | 16,458,000 |
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 | 1,049,000 | 2,120,000 | 3,211,000 | 4,317,000 |
| Interest expense | 78,000 | 157,000 | 240,000 | 333,000 |
| Net interest income | 971,000 | 1,963,000 | 2,971,000 | 3,984,000 |
| Noninterest income | 95,000 | 184,000 | 275,000 | 453,000 |
| Noninterest expense | 634,000 | 1,289,000 | 1,928,000 | 2,574,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 414,000 | 822,000 | 1,264,000 | 1,791,000 |
| Income tax | 21,000 | 41,000 | 63,000 | 85,000 |
| Net income | 393,000 | 781,000 | 1,201,000 | 1,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,438,000 | 14,466,000 | 14,706,000 | 15,032,000 |
| Total capital | 15,520,000 | 15,570,000 | 15,814,000 | 16,175,000 |
| Risk-weighted assets | 86,321,000 | 88,025,000 | 88,398,000 | 91,216,000 |