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 | 315,962,000 | 312,893,000 | 304,451,000 | 311,412,000 |
| Total loans | 287,769,000 | 280,489,000 | 279,047,000 | 293,493,000 |
| Allowance for loan losses | 3,198,000 | 3,175,000 | 3,166,000 | 3,110,000 |
| Securities available for sale | 3,972,000 | 3,703,000 | 3,449,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,666,000 | 227,734,000 | 228,251,000 | 228,865,000 |
| Interest-bearing deposits | 136,114,000 | 134,746,000 | 134,442,000 | 136,901,000 |
| Noninterest-bearing deposits | 88,552,000 | 92,988,000 | 93,809,000 | 91,964,000 |
| Equity capital | 36,874,000 | 38,101,000 | 38,580,000 | 39,201,000 |
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 | 3,485,000 | 7,011,000 | 10,584,000 | 14,306,000 |
| Interest expense | 354,000 | 734,000 | 1,093,000 | 1,472,000 |
| Net interest income | 3,131,000 | 6,277,000 | 9,491,000 | 12,834,000 |
| Noninterest income | 691,000 | 1,356,000 | 1,978,000 | 2,642,000 |
| Noninterest expense | 1,934,000 | 3,893,000 | 5,821,000 | 7,978,000 |
| Provision for loan losses | 1,000 | 3,000 | 3,000 | 10,000 |
| Pretax income | 1,887,000 | 3,737,000 | 5,645,000 | 7,392,000 |
| Income tax | 634,000 | 1,253,000 | 1,890,000 | 2,877,000 |
| Net income | 1,253,000 | 2,484,000 | 3,755,000 | 4,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,940,000 | 38,170,000 | 38,641,000 | 39,201,000 |
| Total capital | 40,138,000 | 41,345,000 | 41,807,000 | 42,311,000 |
| Risk-weighted assets | 279,398,000 | 270,856,000 | 272,404,000 | 284,099,000 |