Call reports 2017
CITIZENS STATE BANK — 2017
What CITIZENS STATE BANK 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 | 315,263,000 | 320,158,000 | 320,794,000 | 324,285,000 |
| Total loans | 266,812,000 | 275,636,000 | 277,697,000 | 278,349,000 |
| Allowance for loan losses | 5,097,000 | 5,109,000 | 5,032,000 | 5,174,000 |
| Securities available for sale | 26,683,000 | 27,045,000 | 26,098,000 | 24,418,000 |
| Securities held to maturity | 47,000 | 54,000 | 50,000 | 49,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,765,000 | 279,787,000 | 276,949,000 | 285,014,000 |
| Interest-bearing deposits | 243,848,000 | 248,389,000 | 247,401,000 | 244,166,000 |
| Noninterest-bearing deposits | 34,917,000 | 31,398,000 | 29,548,000 | 40,848,000 |
| Equity capital | 33,577,000 | 33,897,000 | 33,761,000 | 34,435,000 |
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 | 3,420,000 | 7,006,000 | 10,632,000 | 14,404,000 |
| Interest expense | 527,000 | 1,066,000 | 1,656,000 | 2,265,000 |
| Net interest income | 2,893,000 | 5,940,000 | 8,976,000 | 12,139,000 |
| Noninterest income | 197,000 | 415,000 | 667,000 | 1,009,000 |
| Noninterest expense | 2,145,000 | 4,100,000 | 5,986,000 | 7,944,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 795,000 | 1,955,000 | 3,207,000 | 4,604,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 795,000 | 1,955,000 | 3,207,000 | 4,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,095,000 | 31,102,000 | 31,032,000 | 31,973,000 |
| Total capital | 34,613,000 | 34,689,000 | 34,649,000 | 35,636,000 |
| Risk-weighted assets | 279,889,000 | 285,434,000 | 287,960,000 | 291,554,000 |