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 | 252,156,000 | 172,924,000 | 167,509,000 | 123,908,000 |
| Total loans | 194,071,000 | 130,684,000 | 126,993,000 | 87,282,000 |
| Allowance for loan losses | 451,000 | 4,323,000 | 3,345,000 | 3,400,000 |
| Securities available for sale | 11,039,000 | 11,187,000 | 10,937,000 | 11,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,838,000 | 141,759,000 | 133,395,000 | 103,342,000 |
| Interest-bearing deposits | 185,506,000 | 129,135,000 | 123,120,000 | 91,786,000 |
| Noninterest-bearing deposits | 14,332,000 | 12,624,000 | 10,275,000 | 11,556,000 |
| Equity capital | 27,508,000 | 14,428,000 | 18,751,000 | 14,694,000 |
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 | 3,988,000 | 7,342,000 | 11,388,000 | 14,379,000 |
| Interest expense | 423,000 | 755,000 | 1,136,000 | 1,471,000 |
| Net interest income | 3,565,000 | 6,587,000 | 10,252,000 | 12,908,000 |
| Noninterest income | 5,756,000 | 13,411,000 | 20,665,000 | 21,585,000 |
| Noninterest expense | 8,595,000 | 28,530,000 | 35,128,000 | 42,593,000 |
| Provision for loan losses | 0 | 3,911,000 | 3,911,000 | 3,956,000 |
| Pretax income | 726,000 | -12,443,000 | -8,122,000 | -12,056,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 726,000 | -12,443,000 | -8,122,000 | -12,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,384,000 | 14,215,000 | 18,536,000 | 14,602,000 |
| Total capital | 27,835,000 | 15,590,000 | 19,734,000 | 15,617,000 |
| Risk-weighted assets | 182,044,000 | 107,056,000 | 93,729,000 | 78,780,000 |