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 | 82,673,000 | 83,400,000 | 82,579,000 | 84,166,000 |
| Total loans | 38,099,000 | 38,951,000 | 40,015,000 | 45,047,000 |
| Allowance for loan losses | 578,000 | 604,000 | 576,000 | 529,000 |
| Securities available for sale | 29,614,000 | 29,979,000 | 28,090,000 | 23,247,000 |
| Securities held to maturity | 4,772,000 | 4,767,000 | 4,763,000 | 4,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,315,000 | 70,594,000 | 70,056,000 | 71,385,000 |
| Interest-bearing deposits | 58,712,000 | 59,108,000 | 59,111,000 | 60,410,000 |
| Noninterest-bearing deposits | 11,603,000 | 11,486,000 | 10,945,000 | 10,975,000 |
| Equity capital | 7,668,000 | 7,746,000 | 7,795,000 | 7,488,000 |
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 | 1,017,000 | 2,035,000 | 3,069,000 | 4,160,000 |
| Interest expense | 145,000 | 297,000 | 454,000 | 624,000 |
| Net interest income | 872,000 | 1,738,000 | 2,615,000 | 3,536,000 |
| Noninterest income | 209,000 | 391,000 | 589,000 | 806,000 |
| Noninterest expense | 886,000 | 1,783,000 | 2,722,000 | 3,633,000 |
| Provision for loan losses | 39,000 | 78,000 | 87,000 | 96,000 |
| Pretax income | 156,000 | 268,000 | 395,000 | 613,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 0 |
| Net income | 152,000 | 264,000 | 391,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,149,000 | 8,261,000 | 8,388,000 | 8,014,000 |
| Total capital | 8,650,000 | 8,765,000 | 8,903,000 | 8,543,000 |
| Risk-weighted assets | 40,114,000 | 40,237,000 | 41,170,000 | 44,706,000 |