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 | 118,378,000 | 119,927,000 | 119,710,000 | 126,561,000 |
| Total loans | 97,133,000 | 106,466,000 | 105,817,000 | 111,778,000 |
| Allowance for loan losses | 1,503,000 | 1,550,000 | 1,559,000 | 1,629,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,621,000 | 107,805,000 | 107,171,000 | 113,855,000 |
| Interest-bearing deposits | 78,441,000 | 80,143,000 | 81,831,000 | 80,869,000 |
| Noninterest-bearing deposits | 28,180,000 | 27,662,000 | 25,340,000 | 32,986,000 |
| Equity capital | 11,551,000 | 11,880,000 | 12,198,000 | 12,489,000 |
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 | 1,413,000 | 2,920,000 | 4,467,000 | 6,021,000 |
| Interest expense | 94,000 | 181,000 | 309,000 | 452,000 |
| Net interest income | 1,319,000 | 2,739,000 | 4,158,000 | 5,569,000 |
| Noninterest income | 127,000 | 236,000 | 340,000 | 442,000 |
| Noninterest expense | 697,000 | 1,428,000 | 2,113,000 | 2,818,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 704,000 | 1,457,000 | 2,250,000 | 3,013,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 704,000 | 1,457,000 | 2,250,000 | 3,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,551,000 | 11,880,000 | 12,198,000 | 12,489,000 |
| Total capital | 12,659,000 | 13,051,000 | 13,382,000 | 13,751,000 |
| Risk-weighted assets | 88,252,000 | 93,327,000 | 94,352,000 | 100,653,000 |