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 | 382,327,000 | 389,029,000 | 393,445,000 | 406,667,000 |
| Total loans | 233,799,000 | 230,257,000 | 229,037,000 | 236,212,000 |
| Allowance for loan losses | 2,603,000 | 2,760,000 | 2,760,000 | 2,509,000 |
| Securities available for sale | 126,162,000 | 132,429,000 | 132,963,000 | 139,530,000 |
| Securities held to maturity | 0 | 0 | 2,157,000 | 2,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,776,000 | 326,450,000 | 323,015,000 | 321,738,000 |
| Interest-bearing deposits | 273,541,000 | 282,655,000 | 278,523,000 | 276,143,000 |
| Noninterest-bearing deposits | 42,234,000 | 43,795,000 | 44,491,000 | 45,595,000 |
| Equity capital | 46,085,000 | 46,700,000 | 46,704,000 | 46,969,000 |
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 | 3,665,000 | 7,495,000 | 11,327,000 | 15,221,000 |
| Interest expense | 695,000 | 1,445,000 | 2,204,000 | 2,984,000 |
| Net interest income | 2,970,000 | 6,050,000 | 9,123,000 | 12,237,000 |
| Noninterest income | 670,000 | 1,322,000 | 1,984,000 | 2,604,000 |
| Noninterest expense | 1,781,000 | 3,629,000 | 5,495,000 | 7,394,000 |
| Provision for loan losses | 100,000 | 250,000 | 250,000 | 400,000 |
| Pretax income | 1,845,000 | 3,766,000 | 5,671,000 | 7,188,000 |
| Income tax | 75,000 | 189,000 | 276,000 | 361,000 |
| Net income | 1,770,000 | 3,577,000 | 5,395,000 | 6,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,493,000 | 40,172,000 | 40,432,000 | 41,034,000 |
| Total capital | 43,096,000 | 42,932,000 | 43,192,000 | 43,543,000 |
| Risk-weighted assets | 289,833,000 | 288,634,000 | 294,037,000 | 303,499,000 |