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 | 18,874,000 | 19,651,000 | 19,625,000 | 25,889,000 |
| Total loans | 16,103,000 | 16,785,000 | 16,689,000 | 21,715,000 |
| Allowance for loan losses | 119,000 | 121,000 | 124,000 | 126,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 218,000 | 239,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,238,000 | 15,968,000 | 15,886,000 | 16,797,000 |
| Interest-bearing deposits | 13,417,000 | 14,411,000 | 14,194,000 | 14,778,000 |
| Noninterest-bearing deposits | 1,821,000 | 1,557,000 | 1,692,000 | 2,019,000 |
| Equity capital | 1,741,000 | 1,780,000 | 1,832,000 | 1,870,000 |
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 | 231,000 | 480,000 | 740,000 | 997,000 |
| Interest expense | 31,000 | 64,000 | 105,000 | 151,000 |
| Net interest income | 200,000 | 416,000 | 635,000 | 846,000 |
| Noninterest income | 21,000 | 41,000 | 61,000 | 83,000 |
| Noninterest expense | 177,000 | 359,000 | 532,000 | 720,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 42,000 | 95,000 | 159,000 | 203,000 |
| Income tax | 12,000 | 25,000 | 38,000 | 43,000 |
| Net income | 30,000 | 70,000 | 121,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,741,000 | 1,780,000 | 1,832,000 | 1,870,000 |
| Total capital | 1,860,000 | 1,901,000 | 1,956,000 | 1,996,000 |
| Risk-weighted assets | 12,028,000 | 12,304,000 | 12,450,000 | 18,299,000 |