Call reports 2017
CITIZENS STATE BANK AND TRUST COMPANY — 2017
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 95,606,000 | 92,053,000 | 90,361,000 | 95,577,000 |
| Total loans | 51,683,000 | 52,716,000 | 54,193,000 | 53,217,000 |
| Allowance for loan losses | 444,000 | 459,000 | 459,000 | 458,000 |
| Securities available for sale | 27,248,000 | 24,874,000 | 24,086,000 | 21,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,310,000 | 72,167,000 | 70,397,000 | 76,068,000 |
| Interest-bearing deposits | 57,147,000 | 56,414,000 | 56,061,000 | 58,115,000 |
| Noninterest-bearing deposits | 19,163,000 | 15,752,000 | 14,336,000 | 17,953,000 |
| Equity capital | 13,592,000 | 13,616,000 | 13,760,000 | 13,819,000 |
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 | 705,000 | 1,456,000 | 2,221,000 | 2,999,000 |
| Interest expense | 39,000 | 79,000 | 120,000 | 162,000 |
| Net interest income | 666,000 | 1,377,000 | 2,101,000 | 2,837,000 |
| Noninterest income | 246,000 | 377,000 | 551,000 | 757,000 |
| Noninterest expense | 542,000 | 1,186,000 | 1,762,000 | 2,400,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 355,000 | 538,000 | 860,000 | 1,165,000 |
| Income tax | 7,000 | 17,000 | 34,000 | 47,000 |
| Net income | 348,000 | 521,000 | 826,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,627,000 | 13,642,000 | 13,789,000 | 13,926,000 |
| Total capital | 14,071,000 | 14,101,000 | 14,248,000 | 14,384,000 |
| Risk-weighted assets | 65,809,000 | 66,666,000 | 66,588,000 | 63,444,000 |