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 | 530,936,000 | 542,064,000 | 572,919,000 | 585,429,000 |
| Total loans | 347,638,000 | 364,464,000 | 375,973,000 | 387,962,000 |
| Allowance for loan losses | 4,040,000 | 4,115,000 | 4,375,000 | 4,286,000 |
| Securities available for sale | 83,407,000 | 83,540,000 | 84,869,000 | 97,351,000 |
| Securities held to maturity | 2,897,000 | 2,892,000 | 3,397,000 | 3,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,871,000 | 477,386,000 | 504,775,000 | 518,430,000 |
| Interest-bearing deposits | 383,687,000 | 383,486,000 | 414,061,000 | 417,067,000 |
| Noninterest-bearing deposits | 85,184,000 | 93,900,000 | 90,714,000 | 101,363,000 |
| Equity capital | 55,629,000 | 57,615,000 | 59,727,000 | 61,742,000 |
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 | 5,878,000 | 12,137,000 | 18,641,000 | 25,538,000 |
| Interest expense | 624,000 | 1,318,000 | 2,097,000 | 3,018,000 |
| Net interest income | 5,254,000 | 10,819,000 | 16,544,000 | 22,520,000 |
| Noninterest income | 1,061,000 | 2,173,000 | 3,306,000 | 4,475,000 |
| Noninterest expense | 3,646,000 | 7,658,000 | 11,464,000 | 15,813,000 |
| Provision for loan losses | 190,000 | 350,000 | 730,000 | 750,000 |
| Pretax income | 2,479,000 | 4,984,000 | 7,656,000 | 10,432,000 |
| Income tax | 487,000 | 975,000 | 1,500,000 | 1,887,000 |
| Net income | 1,992,000 | 4,009,000 | 6,156,000 | 8,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,952,000 | 57,964,000 | 60,107,000 | 62,000,000 |
| Total capital | 59,992,000 | 62,079,000 | 64,482,000 | 66,286,000 |
| Risk-weighted assets | 358,294,000 | 374,576,000 | 389,401,000 | 403,513,000 |