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 | 35,596,000 | 33,693,000 | 32,860,000 | 33,536,000 |
| Total loans | 14,216,000 | 17,550,000 | 18,786,000 | 17,583,000 |
| Allowance for loan losses | 328,000 | 262,000 | 278,000 | 282,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,197,000 | 2,040,000 | 1,166,000 | 1,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,373,000 | 30,595,000 | 29,667,000 | 30,297,000 |
| Interest-bearing deposits | 25,696,000 | 24,643,000 | 24,170,000 | 24,329,000 |
| Noninterest-bearing deposits | 6,677,000 | 5,952,000 | 5,497,000 | 5,968,000 |
| Equity capital | 3,141,000 | 2,987,000 | 3,063,000 | 3,181,000 |
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 | 298,000 | 596,000 | 963,000 | 1,395,000 |
| Interest expense | 50,000 | 103,000 | 162,000 | 223,000 |
| Net interest income | 248,000 | 493,000 | 801,000 | 1,172,000 |
| Noninterest income | 28,000 | 58,000 | 85,000 | 115,000 |
| Noninterest expense | 243,000 | 478,000 | 738,000 | 1,027,000 |
| Provision for loan losses | 220,000 | 415,000 | 415,000 | 415,000 |
| Pretax income | -187,000 | -342,000 | -267,000 | -155,000 |
| Income tax | 0 | 0 | 0 | -7,000 |
| Net income | -187,000 | -342,000 | -267,000 | -148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,141,000 | 2,987,000 | 3,063,000 | 3,181,000 |
| Total capital | 3,366,000 | 3,224,000 | 3,310,000 | 3,423,000 |
| Risk-weighted assets | 17,856,000 | 18,960,000 | 19,732,000 | 19,336,000 |