Call reports 2018
CITIZENS STATE BANK, THE — 2018
What CITIZENS STATE BANK, THE 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 | 442,684,000 | 433,761,000 | 426,439,000 | 425,599,000 |
| Total loans | 223,114,000 | 226,958,000 | 235,331,000 | 236,884,000 |
| Allowance for loan losses | 2,843,000 | 2,901,000 | 2,962,000 | 3,018,000 |
| Securities available for sale | 156,579,000 | 158,590,000 | 152,363,000 | 152,810,000 |
| Securities held to maturity | 6,000 | 5,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,406,000 | 331,966,000 | 325,754,000 | 328,613,000 |
| Interest-bearing deposits | 281,432,000 | 278,389,000 | 265,361,000 | 268,215,000 |
| Noninterest-bearing deposits | 57,974,000 | 53,577,000 | 60,393,000 | 60,398,000 |
| Equity capital | 46,575,000 | 46,662,000 | 44,142,000 | 45,589,000 |
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 | 3,885,000 | 7,760,000 | 11,887,000 | 15,933,000 |
| Interest expense | 468,000 | 974,000 | 1,557,000 | 2,182,000 |
| Net interest income | 3,417,000 | 6,786,000 | 10,330,000 | 13,751,000 |
| Noninterest income | 508,000 | 1,067,000 | 1,571,000 | 2,135,000 |
| Noninterest expense | 2,480,000 | 5,226,000 | 7,815,000 | 10,702,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,385,000 | 2,507,000 | 3,906,000 | 4,910,000 |
| Income tax | 225,000 | 403,000 | 627,000 | 376,000 |
| Net income | 1,160,000 | 2,104,000 | 3,279,000 | 4,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,153,000 | 43,374,000 | 41,461,000 | 41,993,000 |
| Total capital | 46,114,000 | 46,400,000 | 44,555,000 | 45,151,000 |
| Risk-weighted assets | 343,989,000 | 348,098,000 | 358,331,000 | 347,244,000 |