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 | 115,313,000 | 114,715,000 | 116,222,000 | 117,261,000 |
| Total loans | 81,010,000 | 82,620,000 | 83,442,000 | 83,088,000 |
| Allowance for loan losses | 1,085,000 | 1,229,000 | 1,245,000 | 1,247,000 |
| Securities available for sale | 8,556,000 | 8,218,000 | 7,406,000 | 7,067,000 |
| Securities held to maturity | 15,129,000 | 14,045,000 | 13,413,000 | 13,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,700,000 | 99,917,000 | 98,636,000 | 102,106,000 |
| Interest-bearing deposits | 80,857,000 | 79,599,000 | 78,695,000 | 78,711,000 |
| Noninterest-bearing deposits | 19,843,000 | 20,318,000 | 19,941,000 | 23,396,000 |
| Equity capital | 14,469,000 | 14,626,000 | 14,873,000 | 15,076,000 |
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 | 1,049,000 | 2,080,000 | 3,125,000 | 4,173,000 |
| Interest expense | 90,000 | 176,000 | 262,000 | 348,000 |
| Net interest income | 959,000 | 1,904,000 | 2,863,000 | 3,825,000 |
| Noninterest income | 83,000 | 163,000 | 262,000 | 421,000 |
| Noninterest expense | 613,000 | 1,239,000 | 1,872,000 | 2,525,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 411,000 | 792,000 | 1,199,000 | 1,675,000 |
| Income tax | 21,000 | 39,000 | 59,000 | 80,000 |
| Net income | 390,000 | 753,000 | 1,140,000 | 1,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,858,000 | 13,060,000 | 13,286,000 | 13,580,000 |
| Total capital | 13,911,000 | 14,121,000 | 14,370,000 | 14,625,000 |
| Risk-weighted assets | 84,216,000 | 84,723,000 | 86,544,000 | 83,363,000 |