Call reports 2016
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2016
What CITIZENS STATE BANK OF TAYLOR COUNTY, THE 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 | 52,251,000 | 53,828,000 | 63,058,000 | 63,686,000 |
| Total loans | 23,882,000 | 27,720,000 | 27,410,000 | 26,257,000 |
| Allowance for loan losses | 357,000 | 369,000 | 368,000 | 349,000 |
| Securities available for sale | 13,999,000 | 14,033,000 | 15,436,000 | 16,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,157,000 | 47,465,000 | 56,660,000 | 57,812,000 |
| Interest-bearing deposits | 29,952,000 | 29,315,000 | 40,031,000 | 36,630,000 |
| Noninterest-bearing deposits | 16,205,000 | 18,150,000 | 16,629,000 | 21,183,000 |
| Equity capital | 5,837,000 | 6,029,000 | 6,003,000 | 5,683,000 |
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 | 465,000 | 965,000 | 1,486,000 | 2,006,000 |
| Interest expense | 56,000 | 111,000 | 171,000 | 231,000 |
| Net interest income | 409,000 | 854,000 | 1,315,000 | 1,775,000 |
| Noninterest income | 35,000 | 82,000 | 127,000 | 174,000 |
| Noninterest expense | 443,000 | 871,000 | 1,304,000 | 1,757,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | 63,000 | 136,000 | 190,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,000 | 63,000 | 136,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,658,000 | 5,673,000 | 5,721,000 | 5,775,000 |
| Total capital | 6,001,000 | 6,042,000 | 6,089,000 | 6,124,000 |
| Risk-weighted assets | 27,498,000 | 30,727,000 | 32,238,000 | 31,493,000 |