Call reports 2018
CITIZENS STATE BANK OF LOYAL — 2018
What CITIZENS STATE BANK OF LOYAL 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 | 201,267,000 | 204,417,000 | 201,683,000 | 206,688,000 |
| Total loans | 118,948,000 | 119,651,000 | 124,593,000 | 126,656,000 |
| Allowance for loan losses | 1,806,000 | 1,806,000 | 1,806,000 | 1,801,000 |
| Securities available for sale | 55,689,000 | 56,460,000 | 56,586,000 | 54,726,000 |
| Securities held to maturity | 969,000 | 969,000 | 470,000 | 470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,829,000 | 167,849,000 | 164,538,000 | 166,534,000 |
| Interest-bearing deposits | 139,393,000 | 139,751,000 | 139,184,000 | 138,763,000 |
| Noninterest-bearing deposits | 25,436,000 | 28,098,000 | 25,354,000 | 27,771,000 |
| Equity capital | 24,995,000 | 25,083,000 | 25,359,000 | 25,647,000 |
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 | 1,867,000 | 3,803,000 | 5,805,000 | 7,855,000 |
| Interest expense | 315,000 | 672,000 | 1,078,000 | 1,546,000 |
| Net interest income | 1,552,000 | 3,131,000 | 4,727,000 | 6,309,000 |
| Noninterest income | 464,000 | 857,000 | 1,159,000 | 1,439,000 |
| Noninterest expense | 1,343,000 | 2,695,000 | 4,082,000 | 5,429,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 673,000 | 1,293,000 | 1,804,000 | 2,319,000 |
| Income tax | 107,000 | 198,000 | 258,000 | 304,000 |
| Net income | 566,000 | 1,095,000 | 1,546,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,947,000 | 25,076,000 | 25,774,000 | 25,844,000 |
| Total capital | 26,753,000 | 26,882,000 | 27,580,000 | 27,645,000 |
| Risk-weighted assets | 154,490,000 | 156,211,000 | 158,711,000 | 158,807,000 |