Call reports 2017
CITIZENS STATE BANK OF LOYAL — 2017
What CITIZENS STATE BANK OF LOYAL 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 | 200,037,000 | 203,548,000 | 203,408,000 | 208,023,000 |
| Total loans | 121,004,000 | 121,620,000 | 118,742,000 | 122,212,000 |
| Allowance for loan losses | 1,803,000 | 1,777,000 | 1,807,000 | 1,807,000 |
| Securities available for sale | 51,965,000 | 53,704,000 | 54,727,000 | 55,688,000 |
| Securities held to maturity | 1,493,000 | 1,494,000 | 1,494,000 | 1,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,007,000 | 162,110,000 | 166,691,000 | 171,905,000 |
| Interest-bearing deposits | 135,393,000 | 137,323,000 | 140,728,000 | 141,490,000 |
| Noninterest-bearing deposits | 23,613,000 | 24,786,000 | 25,963,000 | 30,415,000 |
| Equity capital | 24,391,000 | 24,665,000 | 25,138,000 | 24,776,000 |
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 | 1,834,000 | 3,798,000 | 5,706,000 | 7,703,000 |
| Interest expense | 238,000 | 493,000 | 780,000 | 1,074,000 |
| Net interest income | 1,596,000 | 3,305,000 | 4,926,000 | 6,629,000 |
| Noninterest income | 447,000 | 835,000 | 1,164,000 | 1,381,000 |
| Noninterest expense | 1,275,000 | 2,677,000 | 3,966,000 | 5,275,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 80,000 |
| Pretax income | 738,000 | 1,413,000 | 2,044,000 | 2,655,000 |
| Income tax | 170,000 | 322,000 | 443,000 | 861,000 |
| Net income | 568,000 | 1,091,000 | 1,601,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,005,000 | 24,272,000 | 24,690,000 | 24,495,000 |
| Total capital | 25,808,000 | 26,049,000 | 26,497,000 | 26,302,000 |
| Risk-weighted assets | 147,865,000 | 149,452,000 | 153,648,000 | 159,642,000 |