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 | 116,217,000 | 114,548,000 | 117,637,000 | 125,159,000 |
| Total loans | 80,434,000 | 85,170,000 | 89,563,000 | 88,169,000 |
| Allowance for loan losses | 1,203,000 | 1,217,000 | 1,229,000 | 1,238,000 |
| Securities available for sale | 21,175,000 | 22,211,000 | 21,987,000 | 20,285,000 |
| Securities held to maturity | 17,000 | 16,000 | 15,000 | 13,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,001,000 | 98,200,000 | 93,805,000 | 108,554,000 |
| Interest-bearing deposits | 74,797,000 | 73,649,000 | 72,035,000 | 81,107,000 |
| Noninterest-bearing deposits | 25,204,000 | 24,551,000 | 21,770,000 | 27,447,000 |
| Equity capital | 15,772,000 | 15,978,000 | 16,252,000 | 16,453,000 |
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 | 1,275,000 | 2,331,000 | 3,704,000 | 5,072,000 |
| Interest expense | 84,000 | 177,000 | 295,000 | 417,000 |
| Net interest income | 1,191,000 | 2,154,000 | 3,409,000 | 4,655,000 |
| Noninterest income | 73,000 | 167,000 | 237,000 | 378,000 |
| Noninterest expense | 841,000 | 1,710,000 | 2,598,000 | 3,471,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 423,000 | 611,000 | 1,048,000 | 1,562,000 |
| Income tax | 130,000 | 176,000 | 312,000 | 466,000 |
| Net income | 293,000 | 435,000 | 736,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,656,000 | 15,798,000 | 16,099,000 | 16,459,000 |
| Total capital | 16,770,000 | 16,985,000 | 17,328,000 | 17,688,000 |
| Risk-weighted assets | 89,058,000 | 94,969,000 | 99,355,000 | 98,342,000 |