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 | 248,466,000 | 249,822,000 | 251,332,000 | 258,059,000 |
| Total loans | 188,208,000 | 187,033,000 | 190,992,000 | 198,083,000 |
| Allowance for loan losses | 1,467,000 | 1,510,000 | 2,089,000 | 2,228,000 |
| Securities available for sale | 43,821,000 | 42,608,000 | 42,322,000 | 42,311,000 |
| Securities held to maturity | 484,000 | 484,000 | 484,000 | 401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,926,000 | 215,579,000 | 215,182,000 | 220,151,000 |
| Interest-bearing deposits | 190,670,000 | 192,689,000 | 195,004,000 | 199,861,000 |
| Noninterest-bearing deposits | 23,255,000 | 22,890,000 | 20,178,000 | 20,290,000 |
| Equity capital | 31,710,000 | 31,711,000 | 31,451,000 | 32,807,000 |
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 | 2,564,000 | 5,242,000 | 7,961,000 | 10,815,000 |
| Interest expense | 351,000 | 722,000 | 1,135,000 | 1,592,000 |
| Net interest income | 2,213,000 | 4,520,000 | 6,826,000 | 9,223,000 |
| Noninterest income | 382,000 | 759,000 | 1,119,000 | 1,688,000 |
| Noninterest expense | 1,526,000 | 3,113,000 | 4,720,000 | 6,387,000 |
| Provision for loan losses | 30,000 | 60,000 | 635,000 | 945,000 |
| Pretax income | 1,039,000 | 2,106,000 | 2,591,000 | 3,580,000 |
| Income tax | 13,000 | 27,000 | 39,000 | 43,000 |
| Net income | 1,026,000 | 2,079,000 | 2,552,000 | 3,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,731,000 | 30,768,000 | 30,720,000 | 31,705,000 |
| Total capital | 32,198,000 | 32,278,000 | 32,809,000 | 33,933,000 |
| Risk-weighted assets | 198,738,000 | 198,351,000 | 203,187,000 | 201,295,000 |