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 | 265,079,000 | 271,748,000 | 267,536,000 | 277,859,000 |
| Total loans | 201,174,000 | 206,456,000 | 206,996,000 | 210,375,000 |
| Allowance for loan losses | 2,246,000 | 2,296,000 | 2,329,000 | 2,334,000 |
| Securities available for sale | 14,278,000 | 26,664,000 | 35,329,000 | 37,546,000 |
| Securities held to maturity | 8,107,000 | 8,006,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,249,000 | 239,181,000 | 231,865,000 | 242,434,000 |
| Interest-bearing deposits | 208,354,000 | 213,060,000 | 207,032,000 | 216,024,000 |
| Noninterest-bearing deposits | 24,894,000 | 26,120,000 | 24,834,000 | 26,409,000 |
| Equity capital | 23,493,000 | 24,180,000 | 26,400,000 | 27,157,000 |
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 | 3,374,000 | 6,961,000 | 10,531,000 | 14,069,000 |
| Interest expense | 596,000 | 1,194,000 | 1,814,000 | 2,432,000 |
| Net interest income | 2,778,000 | 5,767,000 | 8,717,000 | 11,637,000 |
| Noninterest income | 97,000 | 200,000 | 280,000 | 393,000 |
| Noninterest expense | 1,815,000 | 3,570,000 | 5,379,000 | 7,099,000 |
| Provision for loan losses | 470,000 | 831,000 | 1,218,000 | 1,747,000 |
| Pretax income | 589,000 | 1,565,000 | 2,520,000 | 3,303,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 589,000 | 1,565,000 | 2,520,000 | 3,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,830,000 | 24,407,000 | 26,735,000 | 27,390,000 |
| Total capital | 26,076,000 | 26,703,000 | 29,064,000 | 29,724,000 |
| Risk-weighted assets | 216,856,000 | 222,479,000 | 225,758,000 | 230,374,000 |