Call reports 2015
CITIZENS STATE BANK - MIDWEST — 2015
What CITIZENS STATE BANK - MIDWEST 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 | 119,500,000 | 117,606,000 | 118,956,000 | 118,870,000 |
| Total loans | 86,307,000 | 88,418,000 | 90,449,000 | 90,355,000 |
| Allowance for loan losses | 1,505,000 | 1,490,000 | 1,477,000 | 1,480,000 |
| Securities available for sale | 18,766,000 | 17,726,000 | 17,328,000 | 17,569,000 |
| Securities held to maturity | 291,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,306,000 | 102,710,000 | 99,200,000 | 101,849,000 |
| Interest-bearing deposits | 83,070,000 | 80,682,000 | 80,616,000 | 79,969,000 |
| Noninterest-bearing deposits | 21,236,000 | 22,028,000 | 18,584,000 | 21,880,000 |
| Equity capital | 14,052,000 | 13,742,000 | 14,090,000 | 14,389,000 |
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 | 1,082,000 | 2,179,000 | 3,316,000 | 4,509,000 |
| Interest expense | 78,000 | 156,000 | 234,000 | 311,000 |
| Net interest income | 1,004,000 | 2,023,000 | 3,082,000 | 4,198,000 |
| Noninterest income | 114,000 | 231,000 | 355,000 | 654,000 |
| Noninterest expense | 820,000 | 1,630,000 | 2,427,000 | 3,264,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 298,000 | 634,000 | 1,020,000 | 1,641,000 |
| Income tax | 93,000 | 206,000 | 325,000 | 568,000 |
| Net income | 205,000 | 428,000 | 695,000 | 1,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,423,000 | 12,368,000 | 12,634,000 | 13,012,000 |
| Total capital | 13,573,000 | 13,545,000 | 13,880,000 | 14,241,000 |
| Risk-weighted assets | 90,202,000 | 92,439,000 | 98,110,000 | 96,599,000 |