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 | 479,035,000 | 478,635,000 | 510,951,000 | 526,422,000 |
| Total loans | 310,212,000 | 322,534,000 | 339,751,000 | 345,084,000 |
| Allowance for loan losses | 3,519,000 | 3,671,000 | 3,934,000 | 3,938,000 |
| Securities available for sale | 88,406,000 | 78,269,000 | 76,017,000 | 82,981,000 |
| Securities held to maturity | 3,813,000 | 3,808,000 | 3,934,000 | 3,929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,655,000 | 419,266,000 | 449,213,000 | 467,607,000 |
| Interest-bearing deposits | 377,195,000 | 338,431,000 | 368,658,000 | 381,053,000 |
| Noninterest-bearing deposits | 44,459,000 | 80,835,000 | 80,555,000 | 86,554,000 |
| Equity capital | 51,523,000 | 53,001,000 | 54,485,000 | 53,886,000 |
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 | 5,174,000 | 10,491,000 | 16,069,000 | 21,898,000 |
| Interest expense | 241,000 | 565,000 | 1,025,000 | 1,594,000 |
| Net interest income | 4,933,000 | 9,926,000 | 15,044,000 | 20,304,000 |
| Noninterest income | 958,000 | 2,068,000 | 3,159,000 | 4,304,000 |
| Noninterest expense | 3,540,000 | 7,379,000 | 11,029,000 | 15,164,000 |
| Provision for loan losses | 228,000 | 456,000 | 864,000 | 1,022,000 |
| Pretax income | 2,123,000 | 4,159,000 | 6,310,000 | 8,422,000 |
| Income tax | 646,000 | 1,276,000 | 1,946,000 | 3,317,000 |
| Net income | 1,477,000 | 2,883,000 | 4,364,000 | 5,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,431,000 | 52,849,000 | 54,328,000 | 53,981,000 |
| Total capital | 54,950,000 | 56,521,000 | 58,262,000 | 57,919,000 |
| Risk-weighted assets | 324,618,000 | 336,905,000 | 354,767,000 | 362,906,000 |