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 | 205,235,000 | 211,500,000 | 212,092,000 | 213,166,000 |
| Total loans | 136,909,000 | 138,529,000 | 135,788,000 | 149,439,000 |
| Allowance for loan losses | 2,240,000 | 2,226,000 | 2,213,000 | 2,229,000 |
| Securities available for sale | 38,033,000 | 40,001,000 | 43,850,000 | 43,444,000 |
| Securities held to maturity | 2,604,000 | 2,482,000 | 2,417,000 | 2,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,699,000 | 183,002,000 | 182,655,000 | 183,378,000 |
| Interest-bearing deposits | 128,114,000 | 129,777,000 | 133,597,000 | 134,661,000 |
| Noninterest-bearing deposits | 48,585,000 | 53,225,000 | 49,057,000 | 48,716,000 |
| Equity capital | 25,689,000 | 25,353,000 | 26,151,000 | 26,637,000 |
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 | 2,206,000 | 4,546,000 | 6,883,000 | 9,276,000 |
| Interest expense | 205,000 | 420,000 | 643,000 | 865,000 |
| Net interest income | 2,001,000 | 4,126,000 | 6,240,000 | 8,411,000 |
| Noninterest income | 442,000 | 797,000 | 1,255,000 | 1,627,000 |
| Noninterest expense | 1,699,000 | 3,394,000 | 5,177,000 | 7,076,000 |
| Provision for loan losses | 50,000 | 82,000 | 80,000 | 94,000 |
| Pretax income | 694,000 | 1,447,000 | 2,238,000 | 2,868,000 |
| Income tax | 45,000 | 100,000 | 151,000 | 154,000 |
| Net income | 649,000 | 1,347,000 | 2,087,000 | 2,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,404,000 | 25,543,000 | 25,967,000 | 26,581,000 |
| Total capital | 27,027,000 | 27,394,000 | 27,817,000 | 28,538,000 |
| Risk-weighted assets | 141,351,000 | 147,698,000 | 147,598,000 | 156,308,000 |