Call reports 2017
CITIZENS STATE BANK, THE — 2017
What CITIZENS STATE BANK, THE 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 | 330,377,000 | 335,110,000 | 336,519,000 | 338,231,000 |
| Total loans | 264,903,000 | 269,628,000 | 270,576,000 | 272,166,000 |
| Allowance for loan losses | 3,266,000 | 3,541,000 | 3,587,000 | 3,587,000 |
| Securities available for sale | 48,319,000 | 48,493,000 | 46,719,000 | 45,141,000 |
| Securities held to maturity | 2,187,000 | 2,195,000 | 2,200,000 | 2,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,937,000 | 238,771,000 | 242,598,000 | 252,276,000 |
| Interest-bearing deposits | 211,106,000 | 210,394,000 | 211,931,000 | 213,236,000 |
| Noninterest-bearing deposits | 31,831,000 | 28,377,000 | 30,667,000 | 39,040,000 |
| Equity capital | 32,415,000 | 33,235,000 | 33,483,000 | 33,128,000 |
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 | 3,401,000 | 6,951,000 | 10,584,000 | 14,258,000 |
| Interest expense | 677,000 | 1,375,000 | 2,116,000 | 2,844,000 |
| Net interest income | 2,724,000 | 5,576,000 | 8,468,000 | 11,414,000 |
| Noninterest income | 172,000 | 351,000 | 526,000 | 683,000 |
| Noninterest expense | 1,062,000 | 2,196,000 | 3,291,000 | 4,551,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 50,000 |
| Pretax income | 1,834,000 | 3,731,000 | 5,691,000 | 7,509,000 |
| Income tax | 71,000 | 146,000 | 221,000 | 283,000 |
| Net income | 1,763,000 | 3,585,000 | 5,470,000 | 7,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,450,000 | 30,758,000 | 31,190,000 | 31,433,000 |
| Total capital | 33,716,000 | 34,299,000 | 34,744,000 | 34,960,000 |
| Risk-weighted assets | 277,569,000 | 283,841,000 | 284,329,000 | 282,143,000 |
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