Call reports 2016
CENTRAL STATE BANK — 2016
What CENTRAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 235,772,000 | 230,744,000 | 246,292,000 | 242,849,000 |
| Total loans | 147,091,000 | 152,650,000 | 152,727,000 | 167,108,000 |
| Allowance for loan losses | 1,580,000 | 2,096,000 | 2,315,000 | 2,579,000 |
| Securities available for sale | 70,657,000 | 72,159,000 | 71,443,000 | 67,306,000 |
| Securities held to maturity | 3,660,000 | 3,661,000 | 2,837,000 | 5,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,289,000 | 181,193,000 | 196,709,000 | 193,233,000 |
| Interest-bearing deposits | 177,891,000 | 172,349,000 | 187,563,000 | 183,128,000 |
| Noninterest-bearing deposits | 9,398,000 | 8,844,000 | 9,146,000 | 10,105,000 |
| Equity capital | 29,922,000 | 30,738,000 | 31,697,000 | 28,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,406,000 | 4,917,000 | 7,372,000 | 9,888,000 |
| Interest expense | 561,000 | 1,149,000 | 1,751,000 | 2,337,000 |
| Net interest income | 1,845,000 | 3,768,000 | 5,621,000 | 7,551,000 |
| Noninterest income | 36,000 | 63,000 | 101,000 | 139,000 |
| Noninterest expense | 803,000 | 1,556,000 | 2,355,000 | 3,439,000 |
| Provision for loan losses | 0 | 500,000 | 500,000 | 750,000 |
| Pretax income | 1,114,000 | 2,054,000 | 3,660,000 | 4,284,000 |
| Income tax | 55,000 | 100,000 | 178,000 | 213,000 |
| Net income | 1,059,000 | 1,954,000 | 3,482,000 | 4,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,450,000 | 29,180,000 | 30,392,000 | 30,131,000 |
| Total capital | 31,030,000 | 31,276,000 | 32,707,000 | 32,710,000 |
| Risk-weighted assets | 193,672,000 | 209,248,000 | 206,692,000 | 215,805,000 |