Call reports 2015
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2015
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 17,078,000 | 15,862,000 | 16,840,000 | 16,723,000 |
| Total loans | 11,301,000 | 10,419,000 | 12,138,000 | 12,827,000 |
| Allowance for loan losses | 346,000 | 334,000 | 25,000 | 26,000 |
| Securities available for sale | 2,936,000 | 3,652,000 | 3,599,000 | 2,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,863,000 | 14,193,000 | 14,015,000 | 14,248,000 |
| Interest-bearing deposits | 12,910,000 | 12,201,000 | 12,010,000 | 12,222,000 |
| Noninterest-bearing deposits | 1,953,000 | 1,992,000 | 2,006,000 | 2,026,000 |
| Equity capital | 1,816,000 | 1,664,000 | 2,309,000 | 2,363,000 |
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 | 158,000 | 276,000 | 62,000 | 356,000 |
| Interest expense | 8,000 | 15,000 | 3,000 | 12,000 |
| Net interest income | 150,000 | 261,000 | 59,000 | 344,000 |
| Noninterest income | 13,000 | 23,000 | 4,000 | 14,000 |
| Noninterest expense | 229,000 | 486,000 | 89,000 | 322,000 |
| Provision for loan losses | 0 | 0 | 23,000 | 23,000 |
| Pretax income | -66,000 | -202,000 | -49,000 | 27,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -66,000 | -202,000 | -49,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,296,000 | 1,142,000 | 2,206,000 | 2,322,000 |
| Total capital | 1,452,000 | 1,293,000 | 2,231,000 | 2,348,000 |
| Risk-weighted assets | 12,342,000 | 11,802,000 | 12,706,000 | 13,456,000 |