Call reports 2015
COMMUNITY STATE BANK OF ROCK FALLS — 2015
What COMMUNITY STATE BANK OF ROCK FALLS 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 | 254,088,000 | 249,023,000 | 248,202,000 | 252,382,000 |
| Total loans | 174,694,000 | 174,876,000 | 178,950,000 | 182,987,000 |
| Allowance for loan losses | 2,966,000 | 2,938,000 | 2,909,000 | 2,756,000 |
| Securities available for sale | 41,136,000 | 42,305,000 | 42,475,000 | 42,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,992,000 | 223,146,000 | 222,277,000 | 226,320,000 |
| Interest-bearing deposits | 199,859,000 | 197,412,000 | 196,272,000 | 199,600,000 |
| Noninterest-bearing deposits | 28,133,000 | 25,734,000 | 26,005,000 | 26,720,000 |
| Equity capital | 24,686,000 | 24,532,000 | 24,578,000 | 24,462,000 |
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 | 2,384,000 | 4,765,000 | 7,139,000 | 9,618,000 |
| Interest expense | 328,000 | 654,000 | 981,000 | 1,307,000 |
| Net interest income | 2,056,000 | 4,111,000 | 6,158,000 | 8,311,000 |
| Noninterest income | 266,000 | 533,000 | 822,000 | 1,101,000 |
| Noninterest expense | 1,524,000 | 3,018,000 | 4,564,000 | 5,933,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 380,000 |
| Pretax income | 753,000 | 1,536,000 | 2,281,000 | 3,099,000 |
| Income tax | 272,000 | 552,000 | 818,000 | 1,117,000 |
| Net income | 481,000 | 984,000 | 1,463,000 | 1,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,214,000 | 23,378,000 | 23,264,000 | 23,294,000 |
| Total capital | 25,181,000 | 25,356,000 | 25,272,000 | 25,355,000 |
| Risk-weighted assets | 155,520,000 | 157,347,000 | 159,716,000 | 164,172,000 |