Call reports 2015
CLEO STATE BANK — 2015
What CLEO 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 | 102,578,000 | 99,637,000 | 99,455,000 | 100,225,000 |
| Total loans | 31,958,000 | 31,059,000 | 29,097,000 | 33,131,000 |
| Allowance for loan losses | 306,000 | 309,000 | 260,000 | 261,000 |
| Securities available for sale | 63,740,000 | 62,735,000 | 63,765,000 | 61,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,460,000 | 83,620,000 | 82,584,000 | 81,377,000 |
| Interest-bearing deposits | 59,250,000 | 57,516,000 | 57,260,000 | 55,754,000 |
| Noninterest-bearing deposits | 26,210,000 | 26,104,000 | 25,324,000 | 25,623,000 |
| Equity capital | 17,109,000 | 16,009,000 | 16,861,000 | 16,627,000 |
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 | 955,000 | 1,931,000 | 2,902,000 | 3,866,000 |
| Interest expense | 41,000 | 81,000 | 122,000 | 163,000 |
| Net interest income | 914,000 | 1,850,000 | 2,780,000 | 3,703,000 |
| Noninterest income | 114,000 | 232,000 | 336,000 | 444,000 |
| Noninterest expense | 391,000 | 848,000 | 1,287,000 | 1,841,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 639,000 | 1,257,000 | 1,865,000 | 2,366,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 639,000 | 1,257,000 | 1,865,000 | 2,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,104,000 | 16,028,000 | 17,042,000 | 16,955,000 |
| Total capital | 17,410,000 | 16,337,000 | 17,302,000 | 17,216,000 |
| Risk-weighted assets | 40,585,000 | 99,411,000 | 99,407,000 | 99,231,000 |