Call reports 2015
CITIZENS STATE BANK OF GLENVILLE — 2015
What CITIZENS STATE BANK OF GLENVILLE 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 | 38,553,000 | 37,661,000 | 37,719,000 | 40,215,000 |
| Total loans | 13,075,000 | 14,199,000 | 14,620,000 | 13,833,000 |
| Allowance for loan losses | 273,000 | 273,000 | 288,000 | 309,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,115,000 | 5,583,000 | 5,444,000 | 8,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,219,000 | 33,240,000 | 33,245,000 | 35,533,000 |
| Interest-bearing deposits | 26,041,000 | 25,199,000 | 25,181,000 | 25,960,000 |
| Noninterest-bearing deposits | 8,178,000 | 8,041,000 | 8,064,000 | 9,573,000 |
| Equity capital | 4,292,000 | 4,372,000 | 4,418,000 | 4,447,000 |
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 | 262,000 | 527,000 | 802,000 | 1,068,000 |
| Interest expense | 18,000 | 37,000 | 55,000 | 72,000 |
| Net interest income | 244,000 | 490,000 | 747,000 | 996,000 |
| Noninterest income | 19,000 | 42,000 | 60,000 | 89,000 |
| Noninterest expense | 212,000 | 402,000 | 615,000 | 834,000 |
| Provision for loan losses | 5,000 | 5,000 | 20,000 | 50,000 |
| Pretax income | 46,000 | 125,000 | 172,000 | 201,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 125,000 | 172,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,292,000 | 4,372,000 | 4,418,000 | 4,447,000 |
| Total capital | 4,459,000 | 4,550,000 | 4,608,000 | 4,637,000 |
| Risk-weighted assets | 13,316,000 | 14,152,000 | 15,068,000 | 15,071,000 |