Call reports 2017
CITIZENS STATE BANK OF ROSEAU — 2017
What CITIZENS STATE BANK OF ROSEAU 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 | 205,178,000 | 201,020,000 | 197,947,000 | 201,494,000 |
| Total loans | 106,320,000 | 107,865,000 | 108,267,000 | 111,214,000 |
| Allowance for loan losses | 1,710,000 | 1,629,000 | 1,540,000 | 1,500,000 |
| Securities available for sale | 63,190,000 | 62,274,000 | 61,608,000 | 57,755,000 |
| Securities held to maturity | 18,520,000 | 20,875,000 | 22,228,000 | 22,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,047,000 | 174,308,000 | 170,775,000 | 175,217,000 |
| Interest-bearing deposits | 145,531,000 | 146,154,000 | 142,768,000 | 146,355,000 |
| Noninterest-bearing deposits | 29,516,000 | 28,154,000 | 28,007,000 | 28,862,000 |
| Equity capital | 25,222,000 | 25,650,000 | 25,982,000 | 25,619,000 |
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 | 1,713,000 | 3,440,000 | 5,202,000 | 6,977,000 |
| Interest expense | 160,000 | 320,000 | 482,000 | 650,000 |
| Net interest income | 1,553,000 | 3,120,000 | 4,720,000 | 6,327,000 |
| Noninterest income | 198,000 | 391,000 | 606,000 | 800,000 |
| Noninterest expense | 1,122,000 | 2,226,000 | 3,395,000 | 4,501,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 83,000 |
| Pretax income | 620,000 | 1,267,000 | 1,904,000 | 2,543,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 619,000 | 1,266,000 | 1,902,000 | 2,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,454,000 | 25,576,000 | 25,982,000 | 26,301,000 |
| Total capital | 27,164,000 | 27,205,000 | 27,522,000 | 27,801,000 |
| Risk-weighted assets | 160,363,000 | 161,573,000 | 160,840,000 | 161,375,000 |