Call reports 2015
CITIZENS STATE BANK — 2015
What CITIZENS STATE BANK 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 | 370,768,000 | 359,363,000 | 363,275,000 | 368,357,000 |
| Total loans | 208,353,000 | 211,109,000 | 215,862,000 | 217,772,000 |
| Allowance for loan losses | 1,968,000 | 2,261,000 | 2,363,000 | 2,462,000 |
| Securities available for sale | 130,495,000 | 122,212,000 | 116,702,000 | 121,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,213,000 | 304,902,000 | 304,244,000 | 303,768,000 |
| Interest-bearing deposits | 278,279,000 | 263,593,000 | 261,068,000 | 256,369,000 |
| Noninterest-bearing deposits | 42,934,000 | 41,309,000 | 43,176,000 | 47,399,000 |
| Equity capital | 46,092,000 | 43,266,000 | 44,691,000 | 44,357,000 |
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 | 3,388,000 | 6,887,000 | 10,406,000 | 13,904,000 |
| Interest expense | 734,000 | 1,459,000 | 2,161,000 | 2,836,000 |
| Net interest income | 2,654,000 | 5,428,000 | 8,245,000 | 11,068,000 |
| Noninterest income | 716,000 | 1,390,000 | 1,897,000 | 2,436,000 |
| Noninterest expense | 1,709,000 | 3,435,000 | 5,203,000 | 7,069,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 300,000 |
| Pretax income | 1,673,000 | 3,398,000 | 4,754,000 | 6,252,000 |
| Income tax | 61,000 | 170,000 | 248,000 | 325,000 |
| Net income | 1,612,000 | 3,228,000 | 4,506,000 | 5,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,935,000 | 35,614,000 | 35,924,000 | 36,372,000 |
| Total capital | 37,903,000 | 37,875,000 | 38,287,000 | 38,834,000 |
| Risk-weighted assets | 262,463,000 | 263,512,000 | 268,111,000 | 271,187,000 |