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 | 92,304,000 | 91,134,000 | 94,722,000 | 95,517,000 |
| Total loans | 58,587,000 | 57,390,000 | 60,838,000 | 58,524,000 |
| Allowance for loan losses | 631,000 | 678,000 | 830,000 | 831,000 |
| Securities available for sale | 26,999,000 | 26,983,000 | 26,511,000 | 27,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,795,000 | 66,376,000 | 65,953,000 | 69,122,000 |
| Interest-bearing deposits | 56,416,000 | 55,472,000 | 55,121,000 | 56,541,000 |
| Noninterest-bearing deposits | 11,379,000 | 10,904,000 | 10,832,000 | 12,581,000 |
| Equity capital | 21,586,000 | 21,392,000 | 21,401,000 | 21,640,000 |
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 | 1,006,000 | 1,931,000 | 2,950,000 | 4,099,000 |
| Interest expense | 119,000 | 247,000 | 396,000 | 580,000 |
| Net interest income | 887,000 | 1,684,000 | 2,554,000 | 3,519,000 |
| Noninterest income | 74,000 | 178,000 | 247,000 | 318,000 |
| Noninterest expense | 511,000 | 1,013,000 | 1,516,000 | 2,074,000 |
| Provision for loan losses | 100,000 | 500,000 | 650,000 | 650,000 |
| Pretax income | 352,000 | 351,000 | 637,000 | 1,115,000 |
| Income tax | 17,000 | 17,000 | 32,000 | 57,000 |
| Net income | 335,000 | 334,000 | 605,000 | 1,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,488,000 | 21,364,000 | 21,512,000 | 21,480,000 |
| Total capital | 22,119,000 | 22,042,000 | 22,342,000 | 22,311,000 |
| Risk-weighted assets | 65,583,000 | 66,922,000 | 71,012,000 | 67,952,000 |