Call reports 2015
CITIZENS STATE BANK, THE — 2015
What CITIZENS STATE BANK, THE 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 | 177,365,000 | 179,355,000 | 175,500,000 | 186,045,000 |
| Total loans | 123,818,000 | 128,966,000 | 121,303,000 | 128,384,000 |
| Allowance for loan losses | 1,010,000 | 1,018,000 | 1,080,000 | 1,076,000 |
| Securities available for sale | 36,154,000 | 33,690,000 | 32,707,000 | 31,607,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,469,000 | 159,660,000 | 160,656,000 | 171,495,000 |
| Interest-bearing deposits | 114,637,000 | 113,980,000 | 114,406,000 | 119,863,000 |
| Noninterest-bearing deposits | 47,832,000 | 45,680,000 | 46,250,000 | 51,631,000 |
| Equity capital | 14,243,000 | 14,165,000 | 14,289,000 | 14,042,000 |
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 | 1,688,000 | 3,444,000 | 5,164,000 | 6,891,000 |
| Interest expense | 92,000 | 188,000 | 287,000 | 384,000 |
| Net interest income | 1,596,000 | 3,256,000 | 4,877,000 | 6,507,000 |
| Noninterest income | 167,000 | 322,000 | 493,000 | 676,000 |
| Noninterest expense | 1,228,000 | 2,495,000 | 3,788,000 | 5,364,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 60,000 |
| Pretax income | 553,000 | 1,092,000 | 1,531,000 | 1,768,000 |
| Income tax | 184,000 | 363,000 | 508,000 | 579,000 |
| Net income | 369,000 | 729,000 | 1,023,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,577,000 | 13,682,000 | 13,719,000 | 13,622,000 |
| Total capital | 14,590,000 | 14,700,000 | 14,799,000 | 14,698,000 |
| Risk-weighted assets | 123,216,000 | 126,978,000 | 119,790,000 | 127,267,000 |