Call reports 2015
CHILLICOTHE STATE BANK — 2015
What CHILLICOTHE 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 | 127,833,000 | 123,479,000 | 125,480,000 | 124,422,000 |
| Total loans | 67,643,000 | 67,149,000 | 67,183,000 | 67,210,000 |
| Allowance for loan losses | 1,022,000 | 1,046,000 | 1,076,000 | 1,077,000 |
| Securities available for sale | 44,307,000 | 45,818,000 | 45,671,000 | 44,532,000 |
| Securities held to maturity | 140,000 | 131,000 | 112,000 | 102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,779,000 | 109,705,000 | 111,057,000 | 110,874,000 |
| Interest-bearing deposits | 95,563,000 | 93,568,000 | 92,275,000 | 91,007,000 |
| Noninterest-bearing deposits | 18,216,000 | 16,137,000 | 18,782,000 | 19,867,000 |
| Equity capital | 11,178,000 | 10,882,000 | 11,415,000 | 10,695,000 |
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 | 995,000 | 1,994,000 | 2,996,000 | 4,003,000 |
| Interest expense | 72,000 | 142,000 | 212,000 | 282,000 |
| Net interest income | 923,000 | 1,852,000 | 2,784,000 | 3,721,000 |
| Noninterest income | 153,000 | 297,000 | 419,000 | 530,000 |
| Noninterest expense | 690,000 | 1,428,000 | 2,063,000 | 2,792,000 |
| Provision for loan losses | 28,000 | 51,000 | 73,000 | 95,000 |
| Pretax income | 358,000 | 670,000 | 1,067,000 | 1,364,000 |
| Income tax | -21,000 | -16,000 | -11,000 | -9,000 |
| Net income | 379,000 | 686,000 | 1,078,000 | 1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,991,000 | 10,818,000 | 11,210,000 | 10,642,000 |
| Total capital | 11,786,000 | 11,615,000 | 12,007,000 | 11,439,000 |
| Risk-weighted assets | 63,421,000 | 63,529,000 | 63,519,000 | 63,457,000 |