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 | 73,706,000 | 70,239,000 | 69,597,000 | 70,351,000 |
| Total loans | 22,042,000 | 22,847,000 | 23,072,000 | 24,409,000 |
| Allowance for loan losses | 362,000 | 444,000 | 447,000 | 449,000 |
| Securities available for sale | 38,802,000 | 38,075,000 | 36,567,000 | 36,852,000 |
| Securities held to maturity | 2,559,000 | 2,431,000 | 2,354,000 | 2,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,596,000 | 48,126,000 | 47,496,000 | 45,649,000 |
| Interest-bearing deposits | 44,639,000 | 41,676,000 | 41,130,000 | 38,719,000 |
| Noninterest-bearing deposits | 6,957,000 | 6,450,000 | 6,366,000 | 6,930,000 |
| Equity capital | 9,893,000 | 9,897,000 | 9,839,000 | 10,423,000 |
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 | 517,000 | 1,069,000 | 1,593,000 | 2,158,000 |
| Interest expense | 135,000 | 273,000 | 418,000 | 592,000 |
| Net interest income | 382,000 | 796,000 | 1,175,000 | 1,566,000 |
| Noninterest income | 47,000 | 94,000 | 157,000 | 227,000 |
| Noninterest expense | 241,000 | 484,000 | 731,000 | 975,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 192,000 | 410,000 | 605,000 | 822,000 |
| Income tax | 11,000 | 24,000 | 33,000 | 47,000 |
| Net income | 181,000 | 386,000 | 572,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,577,000 | 10,719,000 | 10,842,000 | 10,984,000 |
| Total capital | 10,923,000 | 11,048,000 | 11,173,000 | 11,326,000 |
| Risk-weighted assets | 27,701,000 | 26,216,000 | 26,341,000 | 27,261,000 |