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 | 131,619,000 | 128,610,000 | 126,595,000 | 127,187,000 |
| Total loans | 67,871,000 | 69,963,000 | 69,952,000 | 72,718,000 |
| Allowance for loan losses | 777,000 | 775,000 | 819,000 | 855,000 |
| Securities available for sale | 47,964,000 | 47,472,000 | 47,247,000 | 45,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,838,000 | 114,299,000 | 112,163,000 | 112,903,000 |
| Interest-bearing deposits | 90,974,000 | 88,246,000 | 86,294,000 | 85,247,000 |
| Noninterest-bearing deposits | 26,864,000 | 26,053,000 | 25,869,000 | 27,656,000 |
| Equity capital | 13,354,000 | 13,780,000 | 13,758,000 | 13,493,000 |
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 | 1,338,000 | 2,692,000 | 4,081,000 | 5,471,000 |
| Interest expense | 133,000 | 266,000 | 399,000 | 531,000 |
| Net interest income | 1,205,000 | 2,426,000 | 3,682,000 | 4,940,000 |
| Noninterest income | 219,000 | 431,000 | 636,000 | 823,000 |
| Noninterest expense | 911,000 | 1,741,000 | 2,620,000 | 3,408,000 |
| Provision for loan losses | 55,000 | 115,000 | 175,000 | 235,000 |
| Pretax income | 458,000 | 1,001,000 | 1,523,000 | 2,120,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 458,000 | 1,001,000 | 1,523,000 | 2,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,207,000 | 14,201,000 | 14,273,000 | 14,385,000 |
| Total capital | 14,984,000 | 14,976,000 | 15,092,000 | 15,240,000 |
| Risk-weighted assets | 74,719,000 | 75,511,000 | 75,182,000 | 77,519,000 |