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 | 145,453,000 | 142,990,000 | 143,946,000 | 144,198,000 |
| Total loans | 96,783,000 | 98,895,000 | 91,649,000 | 88,789,000 |
| Allowance for loan losses | 891,000 | 955,000 | 938,000 | 878,000 |
| Securities available for sale | 33,552,000 | 32,037,000 | 30,523,000 | 29,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,374,000 | 129,671,000 | 130,462,000 | 129,181,000 |
| Interest-bearing deposits | 99,150,000 | 96,613,000 | 96,223,000 | 97,553,000 |
| Noninterest-bearing deposits | 33,224,000 | 33,058,000 | 34,239,000 | 31,628,000 |
| Equity capital | 12,380,000 | 12,555,000 | 12,676,000 | 13,214,000 |
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 | 1,788,000 | 3,587,000 | 5,382,000 | 7,133,000 |
| Interest expense | 135,000 | 266,000 | 407,000 | 558,000 |
| Net interest income | 1,653,000 | 3,321,000 | 4,975,000 | 6,575,000 |
| Noninterest income | 327,000 | 629,000 | 901,000 | 1,228,000 |
| Noninterest expense | 1,579,000 | 3,213,000 | 4,803,000 | 6,449,000 |
| Provision for loan losses | 56,000 | 116,000 | 125,000 | 173,000 |
| Pretax income | 344,000 | 620,000 | 947,000 | 1,180,000 |
| Income tax | 55,000 | 98,000 | 152,000 | 188,000 |
| Net income | 289,000 | 522,000 | 795,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,892,000 | 13,201,000 | 13,575,000 | 13,794,000 |
| Total capital | 13,783,000 | 14,156,000 | 14,513,000 | 14,672,000 |
| Risk-weighted assets | 94,146,000 | 91,972,000 | 86,816,000 | 83,964,000 |