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 | 195,764,000 | 197,035,000 | 203,872,000 | 209,945,000 |
| Total loans | 154,007,000 | 159,214,000 | 162,715,000 | 163,671,000 |
| Allowance for loan losses | 1,824,000 | 1,886,000 | 1,972,000 | 1,920,000 |
| Securities available for sale | 25,103,000 | 24,217,000 | 25,658,000 | 25,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,048,000 | 162,464,000 | 173,390,000 | 184,022,000 |
| Interest-bearing deposits | 132,169,000 | 129,869,000 | 140,223,000 | 149,505,000 |
| Noninterest-bearing deposits | 32,878,000 | 32,595,000 | 33,167,000 | 34,517,000 |
| Equity capital | 15,265,000 | 15,558,000 | 15,795,000 | 16,309,000 |
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 | 2,000,000 | 4,087,000 | 6,327,000 | 8,606,000 |
| Interest expense | 271,000 | 587,000 | 1,002,000 | 1,456,000 |
| Net interest income | 1,729,000 | 3,500,000 | 5,325,000 | 7,150,000 |
| Noninterest income | 213,000 | 452,000 | 687,000 | 813,000 |
| Noninterest expense | 1,411,000 | 2,826,000 | 4,289,000 | 5,650,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 471,000 | 1,006,000 | 1,543,000 | 2,073,000 |
| Income tax | 113,000 | 245,000 | 375,000 | 503,000 |
| Net income | 358,000 | 761,000 | 1,168,000 | 1,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,528,000 | 15,857,000 | 16,189,000 | 16,516,000 |
| Total capital | 17,313,000 | 17,684,000 | 18,084,000 | 18,428,000 |
| Risk-weighted assets | 142,756,000 | 146,121,000 | 151,502,000 | 152,928,000 |