Call reports 2015
COMMUNITY STATE BANK — 2015
What COMMUNITY 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 | 159,229,000 | 163,155,000 | 200,612,000 | 195,809,000 |
| Total loans | 111,406,000 | 117,083,000 | 139,568,000 | 142,265,000 |
| Allowance for loan losses | 1,430,000 | 1,410,000 | 1,549,000 | 1,721,000 |
| Securities available for sale | 19,551,000 | 18,159,000 | 19,792,000 | 19,452,000 |
| Securities held to maturity | 22,117,000 | 21,982,000 | 25,417,000 | 24,689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,676,000 | 143,430,000 | 178,150,000 | 173,083,000 |
| Interest-bearing deposits | 124,921,000 | 127,610,000 | 151,504,000 | 144,749,000 |
| Noninterest-bearing deposits | 16,755,000 | 15,821,000 | 26,647,000 | 28,334,000 |
| Equity capital | 16,715,000 | 16,532,000 | 21,513,000 | 21,901,000 |
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 | 1,890,000 | 3,882,000 | 6,146,000 | 8,511,000 |
| Interest expense | 222,000 | 458,000 | 712,000 | 951,000 |
| Net interest income | 1,668,000 | 3,424,000 | 5,434,000 | 7,560,000 |
| Noninterest income | 194,000 | 404,000 | 588,000 | 854,000 |
| Noninterest expense | 1,211,000 | 2,477,000 | 3,834,000 | 5,239,000 |
| Provision for loan losses | 150,000 | 325,000 | 540,000 | 708,000 |
| Pretax income | 501,000 | 1,026,000 | 1,648,000 | 2,467,000 |
| Income tax | 7,000 | 15,000 | 22,000 | 20,000 |
| Net income | 494,000 | 1,011,000 | 1,626,000 | 2,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,121,000 | 15,346,000 | 19,825,000 | 20,339,000 |
| Total capital | 16,551,000 | 16,756,000 | 21,374,000 | 22,060,000 |
| Risk-weighted assets | 120,107,000 | 126,156,000 | 149,267,000 | 147,853,000 |