Call reports 2015
CITIZENS STATE BANK OF HAYFIELD — 2015
What CITIZENS STATE BANK OF HAYFIELD 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 | 81,620,000 | 84,403,000 | 83,028,000 | 89,094,000 |
| Total loans | 63,436,000 | 64,285,000 | 66,583,000 | 69,334,000 |
| Allowance for loan losses | 816,000 | 833,000 | 848,000 | 860,000 |
| Securities available for sale | 7,283,000 | 6,970,000 | 6,775,000 | 6,485,000 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,462,000 | 77,990,000 | 70,741,000 | 82,517,000 |
| Interest-bearing deposits | 54,929,000 | 55,316,000 | 52,756,000 | 60,566,000 |
| Noninterest-bearing deposits | 17,533,000 | 22,674,000 | 17,985,000 | 21,951,000 |
| Equity capital | 6,057,000 | 6,125,000 | 6,364,000 | 6,358,000 |
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 | 852,000 | 1,744,000 | 2,660,000 | 3,588,000 |
| Interest expense | 85,000 | 167,000 | 242,000 | 315,000 |
| Net interest income | 767,000 | 1,577,000 | 2,418,000 | 3,273,000 |
| Noninterest income | 66,000 | 126,000 | 190,000 | 249,000 |
| Noninterest expense | 588,000 | 1,181,000 | 1,778,000 | 2,515,000 |
| Provision for loan losses | 125,000 | 140,000 | 155,000 | 170,000 |
| Pretax income | 120,000 | 382,000 | 677,000 | 839,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 119,000 | 381,000 | 676,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,943,000 | 6,082,000 | 6,265,000 | 6,321,000 |
| Total capital | 6,716,000 | 6,867,000 | 7,076,000 | 7,169,000 |
| Risk-weighted assets | 61,854,000 | 62,759,000 | 64,880,000 | 67,838,000 |