Call reports 2018
CITIZENS STATE BANK OF NEW CASTLE — 2018
What CITIZENS STATE BANK OF NEW CASTLE 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 | 516,437,000 | 526,513,000 | 524,746,000 | 541,068,000 |
| Total loans | 345,846,000 | 353,739,000 | 350,176,000 | 348,076,000 |
| Allowance for loan losses | 4,832,000 | 4,882,000 | 5,014,000 | 4,965,000 |
| Securities available for sale | 92,595,000 | 92,272,000 | 88,235,000 | 90,995,000 |
| Securities held to maturity | 9,769,000 | 10,499,000 | 9,856,000 | 10,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,840,000 | 475,302,000 | 472,592,000 | 487,063,000 |
| Interest-bearing deposits | 448,188,000 | 457,049,000 | 455,389,000 | 469,861,000 |
| Noninterest-bearing deposits | 17,652,000 | 18,253,000 | 17,203,000 | 17,202,000 |
| Equity capital | 47,733,000 | 48,426,000 | 49,291,000 | 50,892,000 |
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 | 4,816,000 | 9,849,000 | 15,076,000 | 20,466,000 |
| Interest expense | 325,000 | 729,000 | 1,158,000 | 1,719,000 |
| Net interest income | 4,491,000 | 9,120,000 | 13,918,000 | 18,747,000 |
| Noninterest income | 1,245,000 | 2,437,000 | 3,639,000 | 4,828,000 |
| Noninterest expense | 3,823,000 | 7,851,000 | 11,810,000 | 15,668,000 |
| Provision for loan losses | 308,000 | 611,000 | 880,000 | 1,055,000 |
| Pretax income | 1,605,000 | 3,095,000 | 4,867,000 | 6,852,000 |
| Income tax | 397,000 | 760,000 | 1,224,000 | 1,716,000 |
| Net income | 1,208,000 | 2,335,000 | 3,643,000 | 5,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,564,000 | 50,369,000 | 51,355,000 | 52,525,000 |
| Total capital | 53,876,000 | 54,812,000 | 55,764,000 | 56,949,000 |
| Risk-weighted assets | 344,444,000 | 354,988,000 | 352,131,000 | 353,407,000 |