Call reports 2015
CITIZENS STATE BANK, THE — 2015
What CITIZENS STATE BANK, THE 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 | 438,675,000 | 443,963,000 | 423,814,000 | 439,904,000 |
| Total loans | 213,394,000 | 222,761,000 | 212,328,000 | 230,915,000 |
| Allowance for loan losses | 2,539,000 | 2,598,000 | 2,684,000 | 2,695,000 |
| Securities available for sale | 176,939,000 | 172,595,000 | 163,749,000 | 158,553,000 |
| Securities held to maturity | 24,000 | 23,000 | 21,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,374,000 | 338,267,000 | 332,566,000 | 332,934,000 |
| Interest-bearing deposits | 288,376,000 | 286,918,000 | 279,618,000 | 280,216,000 |
| Noninterest-bearing deposits | 53,998,000 | 51,349,000 | 52,948,000 | 52,718,000 |
| Equity capital | 48,673,000 | 48,340,000 | 49,614,000 | 50,142,000 |
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 | 3,920,000 | 7,808,000 | 11,527,000 | 15,257,000 |
| Interest expense | 408,000 | 813,000 | 1,168,000 | 1,509,000 |
| Net interest income | 3,512,000 | 6,995,000 | 10,359,000 | 13,748,000 |
| Noninterest income | 555,000 | 1,257,000 | 2,083,000 | 2,550,000 |
| Noninterest expense | 2,572,000 | 5,051,000 | 7,782,000 | 10,392,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 200,000 |
| Pretax income | 1,446,000 | 3,145,000 | 4,603,000 | 5,829,000 |
| Income tax | 390,000 | 876,000 | 1,257,000 | 1,287,000 |
| Net income | 1,056,000 | 2,269,000 | 3,346,000 | 4,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,297,000 | 44,023,000 | 44,613,000 | 45,322,000 |
| Total capital | 45,864,000 | 46,656,000 | 47,340,000 | 48,067,000 |
| Risk-weighted assets | 325,136,000 | 330,415,000 | 322,820,000 | 341,749,000 |