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 | 122,956,000 | 118,192,000 | 115,032,000 | 124,832,000 |
| Total loans | 78,324,000 | 82,820,000 | 88,421,000 | 87,653,000 |
| Allowance for loan losses | 1,252,000 | 1,266,000 | 1,274,000 | 915,000 |
| Securities available for sale | 20,448,000 | 21,845,000 | 20,175,000 | 19,801,000 |
| Securities held to maturity | 12,000 | 11,000 | 10,000 | 9,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,986,000 | 102,007,000 | 96,009,000 | 107,990,000 |
| Interest-bearing deposits | 81,785,000 | 79,711,000 | 71,995,000 | 80,458,000 |
| Noninterest-bearing deposits | 25,201,000 | 22,296,000 | 24,014,000 | 27,532,000 |
| Equity capital | 15,678,000 | 15,936,000 | 16,179,000 | 16,695,000 |
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 | 1,269,000 | 2,563,000 | 3,941,000 | 5,330,000 |
| Interest expense | 126,000 | 271,000 | 439,000 | 621,000 |
| Net interest income | 1,143,000 | 2,292,000 | 3,502,000 | 4,709,000 |
| Noninterest income | 66,000 | 129,000 | 226,000 | 406,000 |
| Noninterest expense | 859,000 | 1,733,000 | 2,629,000 | 3,492,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 350,000 | 688,000 | 1,099,000 | 1,623,000 |
| Income tax | 72,000 | 138,000 | 231,000 | 334,000 |
| Net income | 278,000 | 550,000 | 868,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,797,000 | 16,069,000 | 16,387,000 | 16,809,000 |
| Total capital | 16,921,000 | 17,246,000 | 17,623,000 | 17,724,000 |
| Risk-weighted assets | 89,825,000 | 94,109,000 | 98,888,000 | 97,785,000 |