Call reports 2015
CITIZENS STATE BANK — 2015
What CITIZENS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 768,109,000 | 758,082,000 | 765,751,000 | 779,760,000 |
| Total loans | 105,596,000 | 105,073,000 | 107,476,000 | 113,618,000 |
| Allowance for loan losses | 1,862,000 | 2,017,000 | 2,033,000 | 1,960,000 |
| Securities available for sale | 627,615,000 | 617,321,000 | 627,149,000 | 634,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 684,651,000 | 678,929,000 | 677,881,000 | 688,781,000 |
| Interest-bearing deposits | 614,977,000 | 601,319,000 | 609,258,000 | 620,280,000 |
| Noninterest-bearing deposits | 69,674,000 | 77,610,000 | 68,623,000 | 68,501,000 |
| Equity capital | 80,911,000 | 72,477,000 | 81,902,000 | 86,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,440,000 | 12,882,000 | 19,417,000 | 25,974,000 |
| Interest expense | 1,560,000 | 3,136,000 | 4,723,000 | 6,358,000 |
| Net interest income | 4,880,000 | 9,746,000 | 14,694,000 | 19,616,000 |
| Noninterest income | 507,000 | 1,018,000 | 3,177,000 | 3,715,000 |
| Noninterest expense | 2,500,000 | 4,984,000 | 7,593,000 | 10,121,000 |
| Provision for loan losses | 75,000 | 90,000 | 105,000 | 120,000 |
| Pretax income | 3,580,000 | 7,059,000 | 11,704,000 | 14,863,000 |
| Income tax | 923,000 | 1,817,000 | 2,629,000 | 4,744,000 |
| Net income | 2,657,000 | 5,242,000 | 9,075,000 | 10,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,168,000 | 69,722,000 | 73,929,000 | 75,289,000 |
| Total capital | 69,030,000 | 71,739,000 | 75,962,000 | 77,249,000 |
| Risk-weighted assets | 269,610,000 | 271,896,000 | 275,073,000 | 279,539,000 |