Call reports 2018
CITIZENS STATE BANK — 2018
What CITIZENS STATE BANK 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 | 326,442,000 | 319,573,000 | 325,142,000 | 330,644,000 |
| Total loans | 273,066,000 | 281,382,000 | 286,868,000 | 280,677,000 |
| Allowance for loan losses | 5,369,000 | 5,524,000 | 5,456,000 | 5,545,000 |
| Securities available for sale | 23,284,000 | 22,226,000 | 22,203,000 | 21,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,361,000 | 282,124,000 | 278,755,000 | 292,527,000 |
| Interest-bearing deposits | 253,340,000 | 247,936,000 | 247,066,000 | 251,868,000 |
| Noninterest-bearing deposits | 36,021,000 | 34,188,000 | 31,689,000 | 40,659,000 |
| Equity capital | 34,465,000 | 34,799,000 | 35,033,000 | 35,583,000 |
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 | 3,625,000 | 7,387,000 | 11,274,000 | 15,217,000 |
| Interest expense | 681,000 | 1,410,000 | 2,182,000 | 3,130,000 |
| Net interest income | 2,944,000 | 5,977,000 | 9,092,000 | 12,087,000 |
| Noninterest income | 340,000 | 529,000 | 807,000 | 1,178,000 |
| Noninterest expense | 2,070,000 | 4,013,000 | 5,981,000 | 8,031,000 |
| Provision for loan losses | 150,000 | 300,000 | 525,000 | 750,000 |
| Pretax income | 1,002,000 | 2,131,000 | 3,331,000 | 4,422,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,002,000 | 2,131,000 | 3,331,000 | 4,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,253,000 | 32,599,000 | 32,983,000 | 33,365,000 |
| Total capital | 35,841,000 | 36,280,000 | 36,769,000 | 37,116,000 |
| Risk-weighted assets | 285,292,000 | 292,626,000 | 301,194,000 | 298,300,000 |