Call reports 2017
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2017
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 67,141,000 | 68,332,000 | 70,454,000 | 72,018,000 |
| Total loans | 43,749,000 | 44,515,000 | 43,767,000 | 45,291,000 |
| Allowance for loan losses | 508,000 | 508,000 | 508,000 | 508,000 |
| Securities available for sale | 8,888,000 | 9,461,000 | 9,232,000 | 10,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,718,000 | 57,707,000 | 59,790,000 | 61,661,000 |
| Interest-bearing deposits | 40,422,000 | 41,015,000 | 41,393,000 | 43,349,000 |
| Noninterest-bearing deposits | 16,296,000 | 16,692,000 | 18,397,000 | 18,312,000 |
| Equity capital | 8,697,000 | 8,916,000 | 8,946,000 | 8,938,000 |
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 | 636,000 | 1,295,000 | 1,986,000 | 2,660,000 |
| Interest expense | 38,000 | 77,000 | 120,000 | 164,000 |
| Net interest income | 598,000 | 1,218,000 | 1,866,000 | 2,496,000 |
| Noninterest income | 120,000 | 215,000 | 311,000 | 411,000 |
| Noninterest expense | 449,000 | 907,000 | 1,368,000 | 1,858,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 253,000 | 510,000 | 793,000 | 1,007,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 251,000 | 508,000 | 791,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,804,000 | 5,959,000 | 6,001,000 | 6,109,000 |
| Total capital | 6,312,000 | 6,467,000 | 6,509,000 | 6,617,000 |
| Risk-weighted assets | 43,659,000 | 44,666,000 | 43,711,000 | 45,084,000 |