Call reports 2015
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2015
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 50,722,000 | 49,103,000 | 47,328,000 | 52,875,000 |
| Total loans | 21,807,000 | 24,012,000 | 24,281,000 | 24,170,000 |
| Allowance for loan losses | 529,000 | 512,000 | 516,000 | 359,000 |
| Securities available for sale | 14,278,000 | 13,369,000 | 14,099,000 | 13,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,824,000 | 43,272,000 | 41,322,000 | 46,919,000 |
| Interest-bearing deposits | 27,555,000 | 29,578,000 | 27,973,000 | 31,587,000 |
| Noninterest-bearing deposits | 17,269,000 | 13,694,000 | 13,349,000 | 15,332,000 |
| Equity capital | 5,716,000 | 5,570,000 | 5,699,000 | 5,749,000 |
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 | 429,000 | 871,000 | 1,330,000 | 1,805,000 |
| Interest expense | 60,000 | 116,000 | 172,000 | 230,000 |
| Net interest income | 369,000 | 755,000 | 1,158,000 | 1,575,000 |
| Noninterest income | 59,000 | 117,000 | 173,000 | 227,000 |
| Noninterest expense | 422,000 | 846,000 | 1,266,000 | 1,719,000 |
| Provision for loan losses | 0 | 0 | 0 | -75,000 |
| Pretax income | 6,000 | 26,000 | 65,000 | 159,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,000 | 26,000 | 65,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,598,000 | 5,575,000 | 5,592,000 | 5,687,000 |
| Total capital | 5,941,000 | 5,916,000 | 5,929,000 | 6,039,000 |
| Risk-weighted assets | 27,283,000 | 27,112,000 | 26,807,000 | 28,231,000 |