Call reports 2018
CITIZENS STATE BANK OF ROSEAU — 2018
What CITIZENS STATE BANK OF ROSEAU 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 | 204,739,000 | 207,047,000 | 204,678,000 | 211,868,000 |
| Total loans | 106,782,000 | 109,325,000 | 111,764,000 | 118,102,000 |
| Allowance for loan losses | 1,431,000 | 1,395,000 | 1,447,000 | 1,500,000 |
| Securities available for sale | 62,218,000 | 63,981,000 | 61,497,000 | 62,389,000 |
| Securities held to maturity | 21,294,000 | 22,809,000 | 23,333,000 | 23,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,984,000 | 181,106,000 | 178,524,000 | 182,973,000 |
| Interest-bearing deposits | 148,122,000 | 150,164,000 | 148,691,000 | 153,723,000 |
| Noninterest-bearing deposits | 30,862,000 | 30,942,000 | 29,833,000 | 29,250,000 |
| Equity capital | 25,159,000 | 25,132,000 | 25,122,000 | 26,297,000 |
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 | 1,757,000 | 3,507,000 | 5,430,000 | 7,531,000 |
| Interest expense | 169,000 | 369,000 | 598,000 | 877,000 |
| Net interest income | 1,588,000 | 3,138,000 | 4,832,000 | 6,654,000 |
| Noninterest income | 182,000 | 381,000 | 619,000 | 817,000 |
| Noninterest expense | 1,118,000 | 2,196,000 | 3,348,000 | 4,505,000 |
| Provision for loan losses | 18,000 | 41,000 | 64,000 | 124,000 |
| Pretax income | 634,000 | 1,282,000 | 2,043,000 | 2,847,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 633,000 | 1,281,000 | 2,041,000 | 2,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,534,000 | 26,677,000 | 27,112,000 | 27,594,000 |
| Total capital | 27,965,000 | 28,072,000 | 28,559,000 | 29,094,000 |
| Risk-weighted assets | 160,388,000 | 163,307,000 | 163,825,000 | 170,995,000 |