Call reports 2017
CITIZENS STATE BANK, THE — 2017
What CITIZENS STATE BANK, THE 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 | 448,986,000 | 457,807,000 | 446,510,000 | 441,390,000 |
| Total loans | 217,420,000 | 219,542,000 | 224,888,000 | 220,455,000 |
| Allowance for loan losses | 2,803,000 | 2,748,000 | 2,743,000 | 2,781,000 |
| Securities available for sale | 152,871,000 | 150,386,000 | 161,849,000 | 157,209,000 |
| Securities held to maturity | 9,000 | 8,000 | 8,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,256,000 | 352,878,000 | 341,189,000 | 337,194,000 |
| Interest-bearing deposits | 292,509,000 | 298,189,000 | 288,161,000 | 284,384,000 |
| Noninterest-bearing deposits | 53,747,000 | 54,689,000 | 53,028,000 | 52,810,000 |
| Equity capital | 46,677,000 | 47,187,000 | 47,564,000 | 47,214,000 |
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 | 3,837,000 | 7,663,000 | 11,716,000 | 15,610,000 |
| Interest expense | 359,000 | 770,000 | 1,211,000 | 1,657,000 |
| Net interest income | 3,478,000 | 6,893,000 | 10,505,000 | 13,953,000 |
| Noninterest income | 507,000 | 1,088,000 | 1,622,000 | 2,218,000 |
| Noninterest expense | 2,451,000 | 5,184,000 | 7,700,000 | 10,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 1,552,000 | 2,854,000 | 4,496,000 | 5,615,000 |
| Income tax | 393,000 | 694,000 | 1,092,000 | 1,045,000 |
| Net income | 1,159,000 | 2,160,000 | 3,404,000 | 4,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,164,000 | 41,838,000 | 42,355,000 | 42,794,000 |
| Total capital | 45,055,000 | 44,681,000 | 45,201,000 | 45,685,000 |
| Risk-weighted assets | 335,913,000 | 339,074,000 | 345,302,000 | 339,178,000 |