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 | 230,807,000 | 230,862,000 | 238,684,000 | 244,930,000 |
| Total loans | 155,860,000 | 161,721,000 | 166,095,000 | 168,877,000 |
| Allowance for loan losses | 2,303,000 | 2,420,000 | 2,382,000 | 2,462,000 |
| Securities available for sale | 41,999,000 | 41,608,000 | 42,591,000 | 45,003,000 |
| Securities held to maturity | 2,088,000 | 2,018,000 | 1,954,000 | 1,892,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,238,000 | 199,595,000 | 206,705,000 | 213,265,000 |
| Interest-bearing deposits | 147,491,000 | 143,864,000 | 148,218,000 | 153,571,000 |
| Noninterest-bearing deposits | 52,747,000 | 55,730,000 | 58,487,000 | 59,694,000 |
| Equity capital | 27,386,000 | 27,949,000 | 28,381,000 | 28,205,000 |
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 | 2,468,000 | 5,076,000 | 7,719,000 | 10,427,000 |
| Interest expense | 238,000 | 485,000 | 720,000 | 962,000 |
| Net interest income | 2,230,000 | 4,591,000 | 6,999,000 | 9,465,000 |
| Noninterest income | 385,000 | 835,000 | 1,285,000 | 1,725,000 |
| Noninterest expense | 1,797,000 | 3,552,000 | 5,467,000 | 7,347,000 |
| Provision for loan losses | 73,000 | 210,000 | 305,000 | 403,000 |
| Pretax income | 745,000 | 1,664,000 | 2,514,000 | 3,442,000 |
| Income tax | 45,000 | 120,000 | 186,000 | 203,000 |
| Net income | 700,000 | 1,544,000 | 2,328,000 | 3,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,992,000 | 27,228,000 | 27,696,000 | 28,624,000 |
| Total capital | 29,033,000 | 29,344,000 | 29,840,000 | 30,834,000 |
| Risk-weighted assets | 163,024,000 | 168,973,000 | 171,257,000 | 176,528,000 |