Call reports 2018
CITIZENS STATE BANK AND TRUST COMPANY — 2018
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 94,537,000 | 93,431,000 | 87,446,000 | 93,008,000 |
| Total loans | 48,500,000 | 51,222,000 | 53,153,000 | 54,205,000 |
| Allowance for loan losses | 458,000 | 431,000 | 431,000 | 431,000 |
| Securities available for sale | 19,053,000 | 21,034,000 | 17,822,000 | 15,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,247,000 | 75,116,000 | 68,871,000 | 74,002,000 |
| Interest-bearing deposits | 60,027,000 | 57,388,000 | 54,468,000 | 53,715,000 |
| Noninterest-bearing deposits | 16,220,000 | 17,728,000 | 14,403,000 | 20,287,000 |
| Equity capital | 14,046,000 | 14,157,000 | 14,370,000 | 14,691,000 |
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 | 779,000 | 1,586,000 | 2,421,000 | 3,295,000 |
| Interest expense | 43,000 | 83,000 | 123,000 | 169,000 |
| Net interest income | 736,000 | 1,503,000 | 2,298,000 | 3,126,000 |
| Noninterest income | 226,000 | 358,000 | 529,000 | 766,000 |
| Noninterest expense | 548,000 | 1,170,000 | 1,727,000 | 2,362,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 414,000 | 691,000 | 1,100,000 | 1,530,000 |
| Income tax | 17,000 | 28,000 | 45,000 | 65,000 |
| Net income | 397,000 | 663,000 | 1,055,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,165,000 | 14,274,000 | 14,509,000 | 14,758,000 |
| Total capital | 14,623,000 | 14,705,000 | 14,940,000 | 15,189,000 |
| Risk-weighted assets | 56,050,000 | 59,779,000 | 60,447,000 | 61,785,000 |