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 | 56,112,000 | 53,571,000 | 53,383,000 | 52,387,000 |
| Total loans | 14,402,000 | 13,975,000 | 14,030,000 | 13,988,000 |
| Allowance for loan losses | 303,000 | 277,000 | 287,000 | 304,000 |
| Securities available for sale | 20,262,000 | 20,951,000 | 20,236,000 | 19,435,000 |
| Securities held to maturity | 393,000 | 393,000 | 381,000 | 381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,287,000 | 46,137,000 | 46,429,000 | 45,583,000 |
| Interest-bearing deposits | 42,024,000 | 38,444,000 | 38,504,000 | 37,271,000 |
| Noninterest-bearing deposits | 7,263,000 | 7,693,000 | 7,925,000 | 8,312,000 |
| Equity capital | 6,744,000 | 6,856,000 | 6,857,000 | 6,718,000 |
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 | 392,000 | 799,000 | 1,187,000 | 1,579,000 |
| Interest expense | 18,000 | 38,000 | 57,000 | 76,000 |
| Net interest income | 374,000 | 761,000 | 1,130,000 | 1,503,000 |
| Noninterest income | 41,000 | 82,000 | 126,000 | 162,000 |
| Noninterest expense | 365,000 | 723,000 | 1,081,000 | 1,435,000 |
| Provision for loan losses | 30,000 | 30,000 | 92,000 | 122,000 |
| Pretax income | 20,000 | 91,000 | 84,000 | 109,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 20,000 | 91,000 | 84,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,516,000 | 6,608,000 | 6,605,000 | 6,597,000 |
| Total capital | 6,739,000 | 6,824,000 | 6,822,000 | 6,808,000 |
| Risk-weighted assets | 17,739,000 | 17,148,000 | 17,227,000 | 16,733,000 |