Call reports 2016
COMMUNITY STATE BANK OF ROCK FALLS — 2016
What COMMUNITY STATE BANK OF ROCK FALLS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 250,604,000 | 246,556,000 | 246,568,000 | 256,360,000 |
| Total loans | 181,840,000 | 188,917,000 | 192,862,000 | 191,439,000 |
| Allowance for loan losses | 2,638,000 | 2,655,000 | 2,189,000 | 1,973,000 |
| Securities available for sale | 41,154,000 | 38,299,000 | 37,975,000 | 35,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,086,000 | 219,581,000 | 218,512,000 | 230,258,000 |
| Interest-bearing deposits | 197,266,000 | 194,864,000 | 194,761,000 | 199,786,000 |
| Noninterest-bearing deposits | 26,820,000 | 24,717,000 | 23,751,000 | 30,472,000 |
| Equity capital | 24,894,000 | 25,150,000 | 25,343,000 | 24,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,396,000 | 4,857,000 | 7,336,000 | 9,682,000 |
| Interest expense | 319,000 | 632,000 | 946,000 | 1,262,000 |
| Net interest income | 2,077,000 | 4,225,000 | 6,390,000 | 8,420,000 |
| Noninterest income | 281,000 | 501,000 | 822,000 | 1,096,000 |
| Noninterest expense | 1,471,000 | 3,057,000 | 4,634,000 | 6,115,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 860,000 |
| Pretax income | 797,000 | 1,556,000 | 2,375,000 | 2,608,000 |
| Income tax | 292,000 | 580,000 | 891,000 | 959,000 |
| Net income | 505,000 | 976,000 | 1,484,000 | 1,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,554,000 | 23,680,000 | 23,943,000 | 23,758,000 |
| Total capital | 25,591,000 | 25,868,000 | 26,074,000 | 25,731,000 |
| Risk-weighted assets | 162,374,000 | 174,535,000 | 170,400,000 | 169,164,000 |