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 | 83,158,000 | 82,616,000 | 81,646,000 | 82,566,000 |
| Total loans | 42,029,000 | 40,630,000 | 39,800,000 | 38,657,000 |
| Allowance for loan losses | 513,000 | 497,000 | 486,000 | 548,000 |
| Securities available for sale | 25,492,000 | 27,166,000 | 27,257,000 | 27,279,000 |
| Securities held to maturity | 4,790,000 | 4,786,000 | 4,781,000 | 4,776,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,408,000 | 69,260,000 | 68,099,000 | 69,410,000 |
| Interest-bearing deposits | 60,815,000 | 59,599,000 | 58,412,000 | 58,493,000 |
| Noninterest-bearing deposits | 9,593,000 | 9,661,000 | 9,687,000 | 10,917,000 |
| Equity capital | 8,009,000 | 8,411,000 | 8,544,000 | 7,755,000 |
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 | 1,061,000 | 2,117,000 | 3,139,000 | 4,134,000 |
| Interest expense | 138,000 | 283,000 | 432,000 | 582,000 |
| Net interest income | 923,000 | 1,834,000 | 2,707,000 | 3,552,000 |
| Noninterest income | 251,000 | 492,000 | 659,000 | 821,000 |
| Noninterest expense | 811,000 | 1,657,000 | 2,481,000 | 3,306,000 |
| Provision for loan losses | 31,000 | 89,000 | 146,000 | 235,000 |
| Pretax income | 332,000 | 580,000 | 739,000 | 832,000 |
| Income tax | 63,000 | 95,000 | 95,000 | 5,000 |
| Net income | 269,000 | 485,000 | 644,000 | 827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,119,000 | 8,335,000 | 8,493,000 | 7,996,000 |
| Total capital | 8,632,000 | 8,832,000 | 8,979,000 | 8,504,000 |
| Risk-weighted assets | 43,484,000 | 42,055,000 | 41,019,000 | 40,666,000 |