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 | 93,023,000 | 92,973,000 | 92,520,000 | 93,965,000 |
| Total loans | 53,627,000 | 53,274,000 | 56,935,000 | 56,296,000 |
| Allowance for loan losses | 716,000 | 448,000 | 488,000 | 531,000 |
| Securities available for sale | 33,988,000 | 33,327,000 | 28,791,000 | 29,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,812,000 | 65,982,000 | 65,359,000 | 69,038,000 |
| Interest-bearing deposits | 56,092,000 | 55,717,000 | 55,490,000 | 56,951,000 |
| Noninterest-bearing deposits | 10,720,000 | 10,265,000 | 9,869,000 | 12,087,000 |
| Equity capital | 21,811,000 | 22,282,000 | 22,410,000 | 21,752,000 |
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 | 948,000 | 1,910,000 | 2,890,000 | 3,905,000 |
| Interest expense | 117,000 | 232,000 | 353,000 | 489,000 |
| Net interest income | 831,000 | 1,678,000 | 2,537,000 | 3,416,000 |
| Noninterest income | 69,000 | 135,000 | 206,000 | 270,000 |
| Noninterest expense | 553,000 | 1,077,000 | 1,611,000 | 2,194,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 347,000 | 775,000 | 1,132,000 | 1,447,000 |
| Income tax | 17,000 | 39,000 | 57,000 | 80,000 |
| Net income | 330,000 | 736,000 | 1,075,000 | 1,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,104,000 | 21,387,000 | 21,602,000 | 21,277,000 |
| Total capital | 21,820,000 | 21,835,000 | 22,090,000 | 22,313,000 |
| Risk-weighted assets | 62,274,000 | 61,520,000 | 64,508,000 | 64,395,000 |