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 | 270,532,000 | 270,758,000 | 279,724,000 | 290,351,000 |
| Total loans | 205,223,000 | 209,803,000 | 201,924,000 | 190,433,000 |
| Allowance for loan losses | 2,265,000 | 2,188,000 | 2,168,000 | 2,107,000 |
| Securities available for sale | 40,378,000 | 44,627,000 | 46,054,000 | 45,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,229,000 | 234,934,000 | 238,890,000 | 251,582,000 |
| Interest-bearing deposits | 207,843,000 | 206,259,000 | 215,551,000 | 221,928,000 |
| Noninterest-bearing deposits | 27,387,000 | 28,675,000 | 23,339,000 | 29,655,000 |
| Equity capital | 26,951,000 | 27,440,000 | 27,235,000 | 28,155,000 |
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 | 3,464,000 | 7,007,000 | 10,717,000 | 14,359,000 |
| Interest expense | 588,000 | 1,249,000 | 1,972,000 | 2,781,000 |
| Net interest income | 2,876,000 | 5,758,000 | 8,745,000 | 11,578,000 |
| Noninterest income | 107,000 | 313,000 | 443,000 | 582,000 |
| Noninterest expense | 1,831,000 | 3,699,000 | 5,639,000 | 7,586,000 |
| Provision for loan losses | 316,000 | 557,000 | 807,000 | 972,000 |
| Pretax income | 836,000 | 1,815,000 | 2,742,000 | 3,602,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 836,000 | 1,815,000 | 2,742,000 | 3,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,875,000 | 28,414,000 | 28,753,000 | 29,214,000 |
| Total capital | 30,140,000 | 30,602,000 | 30,922,000 | 31,321,000 |
| Risk-weighted assets | 220,786,000 | 226,354,000 | 219,871,000 | 212,176,000 |