Call reports 2018
CITIZENS STATE BANK OF MILFORD — 2018
What CITIZENS STATE BANK OF MILFORD 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 | 46,649,000 | 43,120,000 | 43,393,000 | 45,488,000 |
| Total loans | 24,294,000 | 25,911,000 | 24,945,000 | 25,170,000 |
| Allowance for loan losses | 145,000 | 145,000 | 91,000 | 101,000 |
| Securities available for sale | 9,774,000 | 10,220,000 | 9,513,000 | 8,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,450,000 | 38,893,000 | 39,134,000 | 41,309,000 |
| Interest-bearing deposits | 32,624,000 | 29,773,000 | 31,512,000 | 30,615,000 |
| Noninterest-bearing deposits | 9,826,000 | 9,120,000 | 7,622,000 | 10,694,000 |
| Equity capital | 4,145,000 | 4,182,000 | 4,202,000 | 4,140,000 |
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 | 388,000 | 794,000 | 1,208,000 | 1,634,000 |
| Interest expense | 19,000 | 38,000 | 59,000 | 81,000 |
| Net interest income | 369,000 | 756,000 | 1,149,000 | 1,553,000 |
| Noninterest income | 60,000 | 128,000 | 202,000 | 310,000 |
| Noninterest expense | 400,000 | 785,000 | 1,176,000 | 1,607,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 29,000 | 99,000 | 175,000 | 246,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 99,000 | 175,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,146,000 | 4,216,000 | 4,292,000 | 4,166,000 |
| Total capital | 4,291,000 | 4,361,000 | 4,383,000 | 4,267,000 |
| Risk-weighted assets | 30,830,000 | 32,336,000 | 32,319,000 | 32,478,000 |
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