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 | 131,152,000 | 127,158,000 | 125,399,000 | 125,703,000 |
| Total loans | 73,924,000 | 72,944,000 | 73,913,000 | 74,582,000 |
| Allowance for loan losses | 900,000 | 899,000 | 874,000 | 889,000 |
| Securities available for sale | 45,780,000 | 44,734,000 | 43,748,000 | 41,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,169,000 | 113,260,000 | 111,137,000 | 110,566,000 |
| Interest-bearing deposits | 91,025,000 | 87,409,000 | 84,807,000 | 85,040,000 |
| Noninterest-bearing deposits | 26,145,000 | 25,851,000 | 26,330,000 | 25,526,000 |
| Equity capital | 13,536,000 | 13,364,000 | 13,573,000 | 14,083,000 |
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 | 1,399,000 | 2,833,000 | 4,251,000 | 5,694,000 |
| Interest expense | 129,000 | 258,000 | 391,000 | 535,000 |
| Net interest income | 1,270,000 | 2,575,000 | 3,860,000 | 5,159,000 |
| Noninterest income | 216,000 | 416,000 | 627,000 | 855,000 |
| Noninterest expense | 878,000 | 1,716,000 | 2,562,000 | 3,368,000 |
| Provision for loan losses | 45,000 | 70,000 | 78,000 | 120,000 |
| Pretax income | 563,000 | 1,205,000 | 1,847,000 | 2,526,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 563,000 | 1,205,000 | 1,847,000 | 2,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,948,000 | 14,841,000 | 15,083,000 | 15,144,000 |
| Total capital | 15,848,000 | 15,740,000 | 15,957,000 | 16,033,000 |
| Risk-weighted assets | 78,233,000 | 77,087,000 | 77,579,000 | 77,188,000 |