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 | 75,476,000 | 75,145,000 | 72,926,000 | 73,276,000 |
| Total loans | 21,626,000 | 23,118,000 | 22,590,000 | 22,873,000 |
| Allowance for loan losses | 331,000 | 356,000 | 362,000 | 356,000 |
| Securities available for sale | 40,715,000 | 40,543,000 | 41,110,000 | 40,342,000 |
| Securities held to maturity | 3,231,000 | 3,086,000 | 2,875,000 | 2,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,396,000 | 53,756,000 | 50,428,000 | 50,953,000 |
| Interest-bearing deposits | 48,172,000 | 47,824,000 | 44,561,000 | 44,525,000 |
| Noninterest-bearing deposits | 6,224,000 | 5,932,000 | 5,867,000 | 6,428,000 |
| Equity capital | 9,838,000 | 10,152,000 | 10,237,000 | 10,110,000 |
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 | 530,000 | 1,064,000 | 1,585,000 | 2,125,000 |
| Interest expense | 120,000 | 245,000 | 370,000 | 498,000 |
| Net interest income | 410,000 | 819,000 | 1,215,000 | 1,627,000 |
| Noninterest income | 31,000 | 95,000 | 153,000 | 237,000 |
| Noninterest expense | 245,000 | 487,000 | 737,000 | 993,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 50,000 |
| Pretax income | 196,000 | 407,000 | 611,000 | 821,000 |
| Income tax | 10,000 | 22,000 | 34,000 | 30,000 |
| Net income | 186,000 | 385,000 | 577,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,041,000 | 10,179,000 | 10,308,000 | 10,460,000 |
| Total capital | 10,372,000 | 10,530,000 | 10,648,000 | 10,807,000 |
| Risk-weighted assets | 26,650,000 | 28,060,000 | 27,161,000 | 27,745,000 |