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 | 55,364,000 | 54,295,000 | 57,530,000 | 55,067,000 |
| Total loans | 13,861,000 | 14,091,000 | 14,304,000 | 14,160,000 |
| Allowance for loan losses | 298,000 | 291,000 | 319,000 | 308,000 |
| Securities available for sale | 19,654,000 | 18,976,000 | 19,113,000 | 18,666,000 |
| Securities held to maturity | 381,000 | 381,000 | 381,000 | 369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,610,000 | 47,597,000 | 50,904,000 | 48,264,000 |
| Interest-bearing deposits | 40,355,000 | 38,713,000 | 41,852,000 | 40,477,000 |
| Noninterest-bearing deposits | 8,255,000 | 8,884,000 | 9,052,000 | 7,787,000 |
| Equity capital | 6,666,000 | 6,609,000 | 6,528,000 | 6,721,000 |
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 | 380,000 | 780,000 | 1,189,000 | 1,603,000 |
| Interest expense | 18,000 | 35,000 | 54,000 | 78,000 |
| Net interest income | 362,000 | 745,000 | 1,135,000 | 1,525,000 |
| Noninterest income | 137,000 | 179,000 | 212,000 | 250,000 |
| Noninterest expense | 346,000 | 735,000 | 1,092,000 | 1,461,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 94,000 |
| Pretax income | 153,000 | 189,000 | 225,000 | 220,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 189,000 | 225,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,696,000 | 6,707,000 | 6,724,000 | 6,739,000 |
| Total capital | 6,905,000 | 6,916,000 | 6,936,000 | 6,942,000 |
| Risk-weighted assets | 16,633,000 | 16,711,000 | 16,882,000 | 16,177,000 |