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 | 26,137,000 | 21,461,000 | 22,378,000 | 20,778,000 |
| Total loans | 21,408,000 | 17,430,000 | 19,066,000 | 17,000,000 |
| Allowance for loan losses | 128,000 | 130,000 | 132,000 | 134,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,803,000 | 16,582,000 | 16,442,000 | 16,292,000 |
| Interest-bearing deposits | 14,957,000 | 14,909,000 | 14,805,000 | 14,486,000 |
| Noninterest-bearing deposits | 1,846,000 | 1,673,000 | 1,637,000 | 1,806,000 |
| Equity capital | 1,939,000 | 1,988,000 | 2,033,000 | 2,086,000 |
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 | 245,000 | 499,000 | 759,000 | 1,018,000 |
| Interest expense | 41,000 | 85,000 | 132,000 | 184,000 |
| Net interest income | 204,000 | 414,000 | 627,000 | 834,000 |
| Noninterest income | 24,000 | 55,000 | 75,000 | 109,000 |
| Noninterest expense | 161,000 | 344,000 | 522,000 | 702,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 65,000 | 122,000 | 176,000 | 235,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 33,000 |
| Net income | 56,000 | 105,000 | 150,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,939,000 | 1,988,000 | 2,033,000 | 2,086,000 |
| Total capital | 2,067,000 | 2,118,000 | 2,165,000 | 2,220,000 |
| Risk-weighted assets | 18,002,000 | 14,054,000 | 15,429,000 | 13,809,000 |