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 | 270,968,000 | 278,449,000 | 280,144,000 | 286,543,000 |
| Total loans | 109,283,000 | 119,741,000 | 130,894,000 | 133,378,000 |
| Allowance for loan losses | 1,195,000 | 1,307,000 | 1,426,000 | 1,467,000 |
| Securities available for sale | 150,167,000 | 144,846,000 | 136,333,000 | 133,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,454,000 | 250,058,000 | 251,465,000 | 256,576,000 |
| Interest-bearing deposits | 165,882,000 | 170,610,000 | 173,482,000 | 173,328,000 |
| Noninterest-bearing deposits | 77,572,000 | 79,448,000 | 77,983,000 | 83,248,000 |
| Equity capital | 25,843,000 | 26,196,000 | 26,698,000 | 27,030,000 |
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 | 2,302,000 | 4,685,000 | 7,223,000 | 9,863,000 |
| Interest expense | 231,000 | 495,000 | 830,000 | 1,211,000 |
| Net interest income | 2,071,000 | 4,190,000 | 6,393,000 | 8,652,000 |
| Noninterest income | 199,000 | 407,000 | 602,000 | 829,000 |
| Noninterest expense | 1,186,000 | 2,374,000 | 3,614,000 | 4,827,000 |
| Provision for loan losses | 3,000 | 116,000 | 239,000 | 284,000 |
| Pretax income | 1,121,000 | 2,148,000 | 3,197,000 | 4,425,000 |
| Income tax | 133,000 | 250,000 | 377,000 | 546,000 |
| Net income | 988,000 | 1,898,000 | 2,820,000 | 3,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,895,000 | 29,324,000 | 30,246,000 | 30,140,000 |
| Total capital | 30,090,000 | 30,631,000 | 31,672,000 | 31,607,000 |
| Risk-weighted assets | 123,507,000 | 132,155,000 | 139,480,000 | 141,797,000 |