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 | 152,190,000 | 163,975,000 | 171,911,000 | 152,688,000 |
| Total loans | 94,538,000 | 112,138,000 | 114,784,000 | 105,541,000 |
| Allowance for loan losses | 1,298,000 | 1,318,000 | 1,311,000 | 961,000 |
| Securities available for sale | 39,561,000 | 42,420,000 | 45,134,000 | 35,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,737,000 | 135,716,000 | 134,690,000 | 131,590,000 |
| Interest-bearing deposits | 102,942,000 | 102,424,000 | 101,955,000 | 100,306,000 |
| Noninterest-bearing deposits | 34,795,000 | 33,292,000 | 32,734,000 | 31,285,000 |
| Equity capital | 13,832,000 | 14,054,000 | 12,535,000 | 12,441,000 |
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 | 1,656,000 | 3,392,000 | 5,344,000 | 7,324,000 |
| Interest expense | 100,000 | 215,000 | 372,000 | 549,000 |
| Net interest income | 1,556,000 | 3,177,000 | 4,972,000 | 6,775,000 |
| Noninterest income | 302,000 | 616,000 | 928,000 | 1,222,000 |
| Noninterest expense | 1,572,000 | 3,174,000 | 7,341,000 | 10,326,000 |
| Provision for loan losses | 0 | 0 | 0 | -338,000 |
| Pretax income | 286,000 | 674,000 | -1,386,000 | -1,928,000 |
| Income tax | 81,000 | 196,000 | -520,000 | -192,000 |
| Net income | 205,000 | 478,000 | -866,000 | -1,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,131,000 | 14,228,000 | 12,042,000 | 12,503,000 |
| Total capital | 15,311,000 | 15,497,000 | 13,318,000 | 13,464,000 |
| Risk-weighted assets | 94,312,000 | 101,515,000 | 101,915,000 | 95,445,000 |