Call reports 2015
CITIZENS STATE BANK — 2015
What CITIZENS 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 | 334,536,000 | 338,498,000 | 324,194,000 | 334,268,000 |
| Total loans | 278,152,000 | 282,468,000 | 271,210,000 | 280,806,000 |
| Allowance for loan losses | 4,460,000 | 4,612,000 | 4,753,000 | 4,840,000 |
| Securities available for sale | 35,726,000 | 35,125,000 | 32,978,000 | 31,654,000 |
| Securities held to maturity | 135,000 | 81,000 | 75,000 | 61,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,075,000 | 292,751,000 | 287,260,000 | 283,037,000 |
| Interest-bearing deposits | 251,171,000 | 252,562,000 | 250,153,000 | 242,967,000 |
| Noninterest-bearing deposits | 41,904,000 | 40,189,000 | 37,107,000 | 40,070,000 |
| Equity capital | 32,536,000 | 32,459,000 | 32,932,000 | 33,259,000 |
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 | 3,574,000 | 7,302,000 | 10,891,000 | 14,477,000 |
| Interest expense | 545,000 | 1,090,000 | 1,636,000 | 2,175,000 |
| Net interest income | 3,029,000 | 6,212,000 | 9,255,000 | 12,302,000 |
| Noninterest income | 221,000 | 427,000 | 775,000 | 1,089,000 |
| Noninterest expense | 1,973,000 | 4,033,000 | 5,995,000 | 8,068,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,127,000 | 2,346,000 | 3,628,000 | 4,766,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,127,000 | 2,346,000 | 3,628,000 | 4,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,766,000 | 30,000,000 | 30,220,000 | 30,472,000 |
| Total capital | 33,440,000 | 33,741,000 | 33,809,000 | 34,172,000 |
| Risk-weighted assets | 293,038,000 | 298,432,000 | 285,944,000 | 294,896,000 |