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 | 81,189,000 | 83,558,000 | 83,848,000 | 82,893,000 |
| Total loans | 24,206,000 | 25,316,000 | 24,674,000 | 23,258,000 |
| Allowance for loan losses | 580,000 | 551,000 | 558,000 | 558,000 |
| Securities available for sale | 49,278,000 | 49,652,000 | 50,471,000 | 50,942,000 |
| Securities held to maturity | 0 | 830,000 | 830,000 | 830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,467,000 | 59,237,000 | 56,698,000 | 56,523,000 |
| Interest-bearing deposits | 55,316,000 | 53,821,000 | 50,319,000 | 50,761,000 |
| Noninterest-bearing deposits | 5,152,000 | 5,416,000 | 6,379,000 | 5,762,000 |
| Equity capital | 17,041,000 | 16,793,000 | 17,033,000 | 16,915,000 |
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 | 644,000 | 1,282,000 | 1,929,000 | 2,567,000 |
| Interest expense | 98,000 | 194,000 | 288,000 | 374,000 |
| Net interest income | 546,000 | 1,088,000 | 1,641,000 | 2,193,000 |
| Noninterest income | 72,000 | 130,000 | 169,000 | 279,000 |
| Noninterest expense | 441,000 | 889,000 | 1,370,000 | 1,815,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 162,000 | 314,000 | 425,000 | 643,000 |
| Income tax | 13,000 | 25,000 | 30,000 | 56,000 |
| Net income | 149,000 | 289,000 | 395,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,089,000 | 11,115,000 | 11,220,000 | 11,242,000 |
| Total capital | 11,513,000 | 11,560,000 | 11,665,000 | 11,692,000 |
| Risk-weighted assets | 33,765,000 | 35,488,000 | 35,599,000 | 35,893,000 |