Call reports 2015
CITIZENS STATE BANK OF CHENEY, KANSAS, THE — 2015
What CITIZENS STATE BANK OF CHENEY, KANSAS, THE 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 | 59,994,000 | 60,605,000 | 60,132,000 | 61,762,000 |
| Total loans | 35,793,000 | 36,279,000 | 35,406,000 | 36,514,000 |
| Allowance for loan losses | 572,000 | 568,000 | 577,000 | 603,000 |
| Securities available for sale | 14,202,000 | 14,294,000 | 13,042,000 | 12,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,063,000 | 53,574,000 | 51,995,000 | 50,574,000 |
| Interest-bearing deposits | 40,198,000 | 40,774,000 | 39,224,000 | 37,589,000 |
| Noninterest-bearing deposits | 12,865,000 | 12,800,000 | 12,771,000 | 12,985,000 |
| Equity capital | 6,866,000 | 6,925,000 | 6,973,000 | 6,876,000 |
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 | 604,000 | 1,214,000 | 1,840,000 | 2,444,000 |
| Interest expense | 47,000 | 96,000 | 146,000 | 197,000 |
| Net interest income | 557,000 | 1,118,000 | 1,694,000 | 2,247,000 |
| Noninterest income | 61,000 | 129,000 | 207,000 | 270,000 |
| Noninterest expense | 357,000 | 761,000 | 1,145,000 | 1,534,000 |
| Provision for loan losses | 55,000 | 65,000 | 80,000 | 95,000 |
| Pretax income | 206,000 | 431,000 | 697,000 | 921,000 |
| Income tax | 28,000 | 38,000 | 50,000 | 59,000 |
| Net income | 178,000 | 393,000 | 647,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,451,000 | 6,656,000 | 6,614,000 | 6,538,000 |
| Total capital | 6,917,000 | 7,132,000 | 7,082,000 | 7,091,000 |
| Risk-weighted assets | 37,187,000 | 37,989,000 | 37,318,000 | 44,170,000 |