Call reports 2017
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2017
What CITIZENS STATE BANK AND TRUST COMPANY, THE 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 | 23,444,000 | 24,570,000 | 26,161,000 | 28,549,000 |
| Total loans | 19,014,000 | 20,138,000 | 21,613,000 | 23,567,000 |
| Allowance for loan losses | 89,000 | 123,000 | 132,000 | 143,000 |
| Securities available for sale | 2,450,000 | 2,409,000 | 2,093,000 | 2,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,042,000 | 19,877,000 | 21,691,000 | 23,877,000 |
| Interest-bearing deposits | 16,570,000 | 17,234,000 | 19,143,000 | 19,780,000 |
| Noninterest-bearing deposits | 2,472,000 | 2,643,000 | 2,548,000 | 4,097,000 |
| Equity capital | 2,301,000 | 2,358,000 | 2,408,000 | 2,306,000 |
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 | 313,000 | 617,000 | 946,000 | 1,307,000 |
| Interest expense | 21,000 | 47,000 | 83,000 | 120,000 |
| Net interest income | 292,000 | 570,000 | 863,000 | 1,187,000 |
| Noninterest income | 33,000 | 89,000 | 123,000 | 149,000 |
| Noninterest expense | 247,000 | 495,000 | 754,000 | 1,026,000 |
| Provision for loan losses | 40,000 | 75,000 | 85,000 | 98,000 |
| Pretax income | 38,000 | 89,000 | 147,000 | 212,000 |
| Income tax | 0 | 0 | 2,000 | 3,000 |
| Net income | 38,000 | 89,000 | 145,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,226,000 | 2,285,000 | 2,336,000 | 2,228,000 |
| Total capital | 2,315,000 | 2,408,000 | 2,468,000 | 2,371,000 |
| Risk-weighted assets | 20,224,000 | 22,162,000 | 22,370,000 | 24,219,000 |