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 | 125,297,000 | 128,246,000 | 140,390,000 | 149,385,000 |
| Total loans | 111,564,000 | 117,959,000 | 117,357,000 | 125,206,000 |
| Allowance for loan losses | 1,673,000 | 1,717,000 | 1,765,000 | 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 | 112,225,000 | 114,753,000 | 126,382,000 | 135,093,000 |
| Interest-bearing deposits | 79,559,000 | 85,637,000 | 88,927,000 | 100,242,000 |
| Noninterest-bearing deposits | 32,666,000 | 29,116,000 | 37,455,000 | 34,851,000 |
| Equity capital | 12,810,000 | 13,154,000 | 13,570,000 | 13,959,000 |
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 | 1,608,000 | 3,289,000 | 5,075,000 | 6,929,000 |
| Interest expense | 142,000 | 309,000 | 554,000 | 834,000 |
| Net interest income | 1,466,000 | 2,980,000 | 4,521,000 | 6,095,000 |
| Noninterest income | 104,000 | 208,000 | 308,000 | 395,000 |
| Noninterest expense | 743,000 | 1,504,000 | 2,182,000 | 2,857,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 782,000 | 1,594,000 | 2,512,000 | 3,453,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 782,000 | 1,594,000 | 2,512,000 | 3,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,810,000 | 13,154,000 | 13,570,000 | 13,959,000 |
| Total capital | 14,059,000 | 14,459,000 | 14,856,000 | 15,382,000 |
| Risk-weighted assets | 99,534,000 | 104,019,000 | 102,440,000 | 113,708,000 |