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 | 39,088,000 | 35,553,000 | 34,711,000 | 35,519,000 |
| Total loans | 17,539,000 | 21,426,000 | 21,520,000 | 20,166,000 |
| Allowance for loan losses | 188,000 | 186,000 | 131,000 | 146,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,551,000 | 2,516,000 | 2,490,000 | 2,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,683,000 | 32,087,000 | 31,130,000 | 32,116,000 |
| Interest-bearing deposits | 28,094,000 | 25,585,000 | 25,390,000 | 24,965,000 |
| Noninterest-bearing deposits | 7,589,000 | 6,502,000 | 5,740,000 | 7,151,000 |
| Equity capital | 3,118,000 | 3,168,000 | 3,279,000 | 3,329,000 |
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 | 310,000 | 618,000 | 1,046,000 | 1,367,000 |
| Interest expense | 45,000 | 93,000 | 139,000 | 187,000 |
| Net interest income | 265,000 | 525,000 | 907,000 | 1,180,000 |
| Noninterest income | 33,000 | 63,000 | 88,000 | 119,000 |
| Noninterest expense | 238,000 | 462,000 | 690,000 | 967,000 |
| Provision for loan losses | 0 | 0 | 0 | 225,000 |
| Pretax income | 58,000 | 125,000 | 304,000 | 106,000 |
| Income tax | 7,000 | 24,000 | 92,000 | -156,000 |
| Net income | 51,000 | 101,000 | 212,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,118,000 | 3,168,000 | 3,279,000 | 3,329,000 |
| Total capital | 3,306,000 | 3,354,000 | 3,410,000 | 3,475,000 |
| Risk-weighted assets | 19,550,000 | 20,396,000 | 23,734,000 | 20,125,000 |