Call reports 2015
CENTRAL STATE BANK — 2015
What CENTRAL 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 | 214,366,000 | 211,649,000 | 217,712,000 | 221,920,000 |
| Total loans | 161,295,000 | 161,408,000 | 166,038,000 | 167,465,000 |
| Allowance for loan losses | 2,666,000 | 2,668,000 | 2,667,000 | 2,669,000 |
| Securities available for sale | 30,787,000 | 29,261,000 | 27,368,000 | 26,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,069,000 | 173,143,000 | 178,910,000 | 175,911,000 |
| Interest-bearing deposits | 146,693,000 | 142,799,000 | 145,533,000 | 143,467,000 |
| Noninterest-bearing deposits | 28,376,000 | 30,344,000 | 33,377,000 | 32,444,000 |
| Equity capital | 24,243,000 | 24,432,000 | 24,728,000 | 24,707,000 |
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 | 2,093,000 | 4,197,000 | 6,315,000 | 8,465,000 |
| Interest expense | 313,000 | 649,000 | 986,000 | 1,337,000 |
| Net interest income | 1,780,000 | 3,548,000 | 5,329,000 | 7,128,000 |
| Noninterest income | 155,000 | 284,000 | 427,000 | 568,000 |
| Noninterest expense | 1,212,000 | 2,483,000 | 3,850,000 | 5,537,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 723,000 | 1,349,000 | 1,909,000 | 2,168,000 |
| Income tax | 33,000 | 63,000 | 91,000 | 101,000 |
| Net income | 690,000 | 1,286,000 | 1,818,000 | 2,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,128,000 | 22,492,000 | 22,791,000 | 22,797,000 |
| Total capital | 24,209,000 | 24,594,000 | 24,937,000 | 24,963,000 |
| Risk-weighted assets | 165,915,000 | 167,588,000 | 171,137,000 | 172,757,000 |