Call reports 2015
CITIZENS STATE BANK OF LOYAL — 2015
What CITIZENS STATE BANK OF LOYAL 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 | 189,496,000 | 190,052,000 | 192,881,000 | 199,611,000 |
| Total loans | 112,348,000 | 113,651,000 | 117,594,000 | 122,214,000 |
| Allowance for loan losses | 1,628,000 | 1,643,000 | 1,631,000 | 1,671,000 |
| Securities available for sale | 57,006,000 | 55,942,000 | 51,310,000 | 50,284,000 |
| Securities held to maturity | 0 | 0 | 1,991,000 | 1,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,696,000 | 151,343,000 | 153,566,000 | 160,103,000 |
| Interest-bearing deposits | 129,046,000 | 129,253,000 | 131,331,000 | 134,000,000 |
| Noninterest-bearing deposits | 21,650,000 | 22,090,000 | 22,235,000 | 26,102,000 |
| Equity capital | 22,099,000 | 22,125,000 | 22,492,000 | 22,698,000 |
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 | 1,790,000 | 3,562,000 | 5,332,000 | 7,212,000 |
| Interest expense | 296,000 | 594,000 | 871,000 | 1,113,000 |
| Net interest income | 1,494,000 | 2,968,000 | 4,461,000 | 6,099,000 |
| Noninterest income | 465,000 | 855,000 | 1,143,000 | 1,450,000 |
| Noninterest expense | 1,304,000 | 2,607,000 | 3,859,000 | 5,100,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 640,000 | 1,186,000 | 1,695,000 | 2,384,000 |
| Income tax | 130,000 | 216,000 | 301,000 | 450,000 |
| Net income | 510,000 | 970,000 | 1,394,000 | 1,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,916,000 | 21,080,000 | 21,507,000 | 21,653,000 |
| Total capital | 22,544,000 | 22,723,000 | 23,138,000 | 23,324,000 |
| Risk-weighted assets | 136,389,000 | 141,054,000 | 140,524,000 | 138,132,000 |