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 | 326,837,000 | 340,603,000 | 341,903,000 | 344,964,000 |
| Total loans | 298,542,000 | 297,254,000 | 291,212,000 | 291,020,000 |
| Allowance for loan losses | 3,136,000 | 3,095,000 | 3,081,000 | 3,277,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,014,000 | 259,464,000 | 258,759,000 | 256,419,000 |
| Interest-bearing deposits | 151,354,000 | 164,242,000 | 166,252,000 | 167,348,000 |
| Noninterest-bearing deposits | 94,660,000 | 95,222,000 | 92,507,000 | 89,071,000 |
| Equity capital | 38,712,000 | 40,213,000 | 41,748,000 | 42,377,000 |
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 | 3,785,000 | 7,669,000 | 11,627,000 | 15,690,000 |
| Interest expense | 442,000 | 986,000 | 1,614,000 | 2,292,000 |
| Net interest income | 3,343,000 | 6,683,000 | 10,013,000 | 13,398,000 |
| Noninterest income | 611,000 | 1,217,000 | 1,889,000 | 2,536,000 |
| Noninterest expense | 1,897,000 | 3,897,000 | 5,934,000 | 8,188,000 |
| Provision for loan losses | 28,000 | 31,000 | 37,000 | 748,000 |
| Pretax income | 2,029,000 | 3,972,000 | 5,931,000 | 6,998,000 |
| Income tax | 419,000 | 861,000 | 1,284,000 | 1,523,000 |
| Net income | 1,610,000 | 3,111,000 | 4,647,000 | 5,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,712,000 | 40,213,000 | 41,748,000 | 42,377,000 |
| Total capital | 41,848,000 | 43,308,000 | 44,829,000 | 45,654,000 |
| Risk-weighted assets | 273,684,000 | 272,501,000 | 262,976,000 | 263,684,000 |