Call reports 2018
CITIZENS STATE BANK, THE — 2018
What CITIZENS STATE BANK, THE 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 | 336,566,000 | 344,387,000 | 350,940,000 | 347,756,000 |
| Total loans | 270,346,000 | 279,435,000 | 284,412,000 | 280,421,000 |
| Allowance for loan losses | 3,642,000 | 3,643,000 | 3,646,000 | 3,638,000 |
| Securities available for sale | 47,937,000 | 47,133,000 | 45,703,000 | 45,967,000 |
| Securities held to maturity | 2,209,000 | 2,195,000 | 2,200,000 | 2,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,821,000 | 241,565,000 | 242,983,000 | 250,239,000 |
| Interest-bearing deposits | 223,226,000 | 211,086,000 | 213,503,000 | 216,060,000 |
| Noninterest-bearing deposits | 33,595,000 | 30,479,000 | 29,480,000 | 34,179,000 |
| Equity capital | 32,162,000 | 32,682,000 | 32,689,000 | 33,615,000 |
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 | 3,656,000 | 7,482,000 | 11,479,000 | 15,584,000 |
| Interest expense | 728,000 | 1,536,000 | 2,498,000 | 3,562,000 |
| Net interest income | 2,928,000 | 5,946,000 | 8,981,000 | 12,022,000 |
| Noninterest income | 165,000 | 326,000 | 497,000 | 655,000 |
| Noninterest expense | 1,124,000 | 2,320,000 | 3,528,000 | 4,834,000 |
| Provision for loan losses | 50,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 1,920,000 | 3,878,000 | 5,876,000 | 7,769,000 |
| Income tax | 74,000 | 153,000 | 231,000 | 302,000 |
| Net income | 1,846,000 | 3,725,000 | 5,645,000 | 7,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,477,000 | 31,818,000 | 32,194,000 | 32,540,000 |
| Total capital | 35,119,000 | 35,461,000 | 35,840,000 | 36,178,000 |
| Risk-weighted assets | 298,879,000 | 298,972,000 | 311,213,000 | 313,120,000 |