Call reports 2015
CENTRAL STATE BANK — 2015
What CENTRAL 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 | 220,629,000 | 213,488,000 | 223,698,000 | 221,155,000 |
| Total loans | 136,109,000 | 136,272,000 | 136,959,000 | 147,275,000 |
| Allowance for loan losses | 1,316,000 | 1,363,000 | 1,378,000 | 1,568,000 |
| Securities available for sale | 66,786,000 | 66,400,000 | 66,183,000 | 57,569,000 |
| Securities held to maturity | 4,982,000 | 4,759,000 | 3,659,000 | 3,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,299,000 | 165,323,000 | 180,082,000 | 174,520,000 |
| Interest-bearing deposits | 163,167,000 | 148,958,000 | 164,849,000 | 161,283,000 |
| Noninterest-bearing deposits | 15,132,000 | 16,365,000 | 15,233,000 | 13,237,000 |
| Equity capital | 26,502,000 | 25,931,000 | 27,335,000 | 27,492,000 |
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 | 2,133,000 | 4,305,000 | 6,581,000 | 8,990,000 |
| Interest expense | 460,000 | 928,000 | 1,415,000 | 1,919,000 |
| Net interest income | 1,673,000 | 3,377,000 | 5,166,000 | 7,071,000 |
| Noninterest income | 25,000 | 54,000 | 96,000 | 128,000 |
| Noninterest expense | 685,000 | 1,395,000 | 2,215,000 | 3,032,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 235,000 |
| Pretax income | 985,000 | 1,988,000 | 2,998,000 | 3,945,000 |
| Income tax | 49,000 | 99,000 | 149,000 | 197,000 |
| Net income | 936,000 | 1,889,000 | 2,849,000 | 3,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,803,000 | 27,281,000 | 27,916,000 | 28,391,000 |
| Total capital | 28,119,000 | 28,644,000 | 29,294,000 | 29,959,000 |
| Risk-weighted assets | 184,489,000 | 180,808,000 | 203,529,000 | 195,126,000 |