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 | 120,372,000 | 120,394,000 | 118,522,000 | 120,091,000 |
| Total loans | 87,528,000 | 90,963,000 | 90,978,000 | 93,000,000 |
| Allowance for loan losses | 1,394,000 | 1,399,000 | 1,398,000 | 1,406,000 |
| Securities available for sale | 8,689,000 | 8,388,000 | 7,144,000 | 6,627,000 |
| Securities held to maturity | 11,358,000 | 11,400,000 | 11,279,000 | 11,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,655,000 | 101,611,000 | 98,610,000 | 102,616,000 |
| Interest-bearing deposits | 79,990,000 | 77,948,000 | 74,628,000 | 75,230,000 |
| Noninterest-bearing deposits | 23,665,000 | 23,664,000 | 23,982,000 | 27,386,000 |
| Equity capital | 16,567,000 | 16,666,000 | 16,946,000 | 17,382,000 |
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 | 1,095,000 | 2,216,000 | 3,372,000 | 4,550,000 |
| Interest expense | 90,000 | 194,000 | 316,000 | 459,000 |
| Net interest income | 1,005,000 | 2,022,000 | 3,056,000 | 4,091,000 |
| Noninterest income | 84,000 | 173,000 | 272,000 | 449,000 |
| Noninterest expense | 645,000 | 1,306,000 | 1,966,000 | 2,649,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 435,000 | 871,000 | 1,335,000 | 1,855,000 |
| Income tax | 22,000 | 43,000 | 67,000 | 90,000 |
| Net income | 413,000 | 828,000 | 1,268,000 | 1,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,219,000 | 15,334,000 | 15,647,000 | 16,020,000 |
| Total capital | 16,337,000 | 16,470,000 | 16,797,000 | 17,188,000 |
| Risk-weighted assets | 89,174,000 | 90,581,000 | 91,736,000 | 93,169,000 |