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 | 168,971,000 | 182,887,000 | 188,029,000 | 193,786,000 |
| Total loans | 129,188,000 | 143,749,000 | 147,562,000 | 152,545,000 |
| Allowance for loan losses | 1,582,000 | 1,635,000 | 1,709,000 | 1,756,000 |
| Securities available for sale | 23,651,000 | 24,347,000 | 23,607,000 | 26,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,155,000 | 157,295,000 | 158,295,000 | 166,249,000 |
| Interest-bearing deposits | 120,868,000 | 122,674,000 | 123,952,000 | 130,787,000 |
| Noninterest-bearing deposits | 32,287,000 | 34,621,000 | 34,343,000 | 35,462,000 |
| Equity capital | 13,318,000 | 13,808,000 | 14,988,000 | 15,260,000 |
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 | 1,568,000 | 3,396,000 | 5,273,000 | 7,230,000 |
| Interest expense | 152,000 | 327,000 | 546,000 | 786,000 |
| Net interest income | 1,416,000 | 3,069,000 | 4,727,000 | 6,444,000 |
| Noninterest income | 197,000 | 458,000 | 687,000 | 576,000 |
| Noninterest expense | 1,290,000 | 2,602,000 | 3,946,000 | 5,184,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 210,000 |
| Pretax income | 278,000 | 835,000 | 1,324,000 | 1,632,000 |
| Income tax | 90,000 | 287,000 | 458,000 | 485,000 |
| Net income | 188,000 | 548,000 | 866,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,488,000 | 13,797,000 | 15,040,000 | 15,246,000 |
| Total capital | 14,982,000 | 15,432,000 | 16,749,000 | 17,002,000 |
| Risk-weighted assets | 119,427,000 | 136,131,000 | 138,405,000 | 144,163,000 |