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 | 398,607,000 | 391,014,000 | 396,303,000 | 400,174,000 |
| Total loans | 238,011,000 | 237,664,000 | 238,956,000 | 238,399,000 |
| Allowance for loan losses | 2,509,000 | 3,002,000 | 3,203,000 | 3,207,000 |
| Securities available for sale | 130,504,000 | 123,775,000 | 121,130,000 | 129,021,000 |
| Securities held to maturity | 2,382,000 | 2,392,000 | 2,371,000 | 2,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,234,000 | 316,249,000 | 322,128,000 | 334,401,000 |
| Interest-bearing deposits | 273,734,000 | 275,131,000 | 278,160,000 | 288,232,000 |
| Noninterest-bearing deposits | 43,500,000 | 41,118,000 | 43,968,000 | 46,169,000 |
| Equity capital | 46,195,000 | 44,503,000 | 43,577,000 | 45,934,000 |
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 | 4,174,000 | 8,235,000 | 12,261,000 | 16,442,000 |
| Interest expense | 793,000 | 1,695,000 | 2,647,000 | 3,726,000 |
| Net interest income | 3,381,000 | 6,540,000 | 9,614,000 | 12,716,000 |
| Noninterest income | 720,000 | 1,416,000 | 2,108,000 | 2,737,000 |
| Noninterest expense | 1,882,000 | 3,790,000 | 5,752,000 | 7,659,000 |
| Provision for loan losses | 0 | 500,000 | 700,000 | 700,000 |
| Pretax income | 2,240,000 | 3,662,000 | 5,218,000 | 7,042,000 |
| Income tax | 78,000 | 229,000 | 263,000 | 327,000 |
| Net income | 2,162,000 | 3,433,000 | 4,955,000 | 6,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,196,000 | 42,140,000 | 42,805,000 | 43,412,000 |
| Total capital | 45,705,000 | 45,142,000 | 46,008,000 | 46,619,000 |
| Risk-weighted assets | 303,036,000 | 301,390,000 | 303,692,000 | 304,627,000 |