Call reports 2018
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2018
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 46,578,000 | 45,177,000 | 48,906,000 | 48,061,000 |
| Total loans | 36,711,000 | 36,683,000 | 40,613,000 | 40,410,000 |
| Allowance for loan losses | 175,000 | 294,000 | 309,000 | 330,000 |
| Securities available for sale | 2,165,000 | 2,121,000 | 1,896,000 | 1,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,908,000 | 38,020,000 | 38,743,000 | 39,042,000 |
| Interest-bearing deposits | 31,491,000 | 31,514,000 | 32,129,000 | 32,216,000 |
| Noninterest-bearing deposits | 6,417,000 | 6,506,000 | 6,615,000 | 6,826,000 |
| Equity capital | 4,549,000 | 4,643,000 | 4,596,000 | 4,463,000 |
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 | 570,000 | 1,246,000 | 1,884,000 | 2,533,000 |
| Interest expense | 70,000 | 149,000 | 240,000 | 362,000 |
| Net interest income | 500,000 | 1,097,000 | 1,644,000 | 2,171,000 |
| Noninterest income | 35,000 | 72,000 | 108,000 | 138,000 |
| Noninterest expense | 386,000 | 749,000 | 1,112,000 | 1,514,000 |
| Provision for loan losses | 17,000 | 133,000 | 148,000 | 169,000 |
| Pretax income | 132,000 | 287,000 | 492,000 | 626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | 287,000 | 492,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,377,000 | 4,477,000 | 4,438,000 | 4,303,000 |
| Total capital | 4,552,000 | 4,771,000 | 4,747,000 | 4,633,000 |
| Risk-weighted assets | 36,977,000 | 37,882,000 | 41,578,000 | 40,922,000 |