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 | 251,779,000 | 261,921,000 | 269,196,000 | 272,144,000 |
| Total loans | 97,817,000 | 102,618,000 | 107,527,000 | 107,058,000 |
| Allowance for loan losses | 1,092,000 | 1,140,000 | 1,198,000 | 1,196,000 |
| Securities available for sale | 142,410,000 | 144,053,000 | 139,595,000 | 153,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,104,000 | 232,247,000 | 239,209,000 | 242,774,000 |
| Interest-bearing deposits | 156,275,000 | 159,038,000 | 163,557,000 | 166,411,000 |
| Noninterest-bearing deposits | 67,829,000 | 73,209,000 | 75,652,000 | 76,363,000 |
| Equity capital | 25,868,000 | 27,481,000 | 28,193,000 | 26,724,000 |
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 | 2,054,000 | 4,183,000 | 6,412,000 | 8,673,000 |
| Interest expense | 178,000 | 363,000 | 564,000 | 778,000 |
| Net interest income | 1,876,000 | 3,820,000 | 5,848,000 | 7,895,000 |
| Noninterest income | 183,000 | 368,000 | 556,000 | 885,000 |
| Noninterest expense | 1,141,000 | 2,274,000 | 3,400,000 | 4,646,000 |
| Provision for loan losses | 3,000 | 56,000 | 114,000 | 113,000 |
| Pretax income | 993,000 | 2,030,000 | 3,092,000 | 4,234,000 |
| Income tax | 170,000 | 350,000 | 546,000 | 1,135,000 |
| Net income | 823,000 | 1,680,000 | 2,546,000 | 3,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,930,000 | 27,390,000 | 28,256,000 | 27,707,000 |
| Total capital | 28,022,000 | 28,530,000 | 29,454,000 | 28,903,000 |
| Risk-weighted assets | 112,685,000 | 115,999,000 | 119,541,000 | 121,201,000 |