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 | 336,325,000 | 379,183,000 | 348,452,000 | 336,426,000 |
| Total loans | 279,409,000 | 341,434,000 | 310,430,000 | 307,705,000 |
| Allowance for loan losses | 443,000 | 401,000 | 412,000 | 399,000 |
| Securities available for sale | 11,314,000 | 10,643,000 | 10,686,000 | 11,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,940,000 | 338,034,000 | 305,389,000 | 263,034,000 |
| Interest-bearing deposits | 289,577,000 | 237,686,000 | 294,876,000 | 251,543,000 |
| Noninterest-bearing deposits | 12,363,000 | 100,348,000 | 10,513,000 | 11,491,000 |
| Equity capital | 28,274,000 | 33,076,000 | 33,698,000 | 33,027,000 |
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 | 3,063,000 | 8,764,000 | 14,455,000 | 18,687,000 |
| Interest expense | 345,000 | 802,000 | 1,296,000 | 1,783,000 |
| Net interest income | 2,718,000 | 7,962,000 | 13,159,000 | 16,904,000 |
| Noninterest income | 2,122,000 | 6,719,000 | 11,577,000 | 16,601,000 |
| Noninterest expense | 3,645,000 | 11,233,000 | 18,778,000 | 26,103,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,195,000 | 3,448,000 | 5,958,000 | 7,402,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,195,000 | 3,448,000 | 5,958,000 | 7,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,935,000 | 32,825,000 | 33,421,000 | 32,731,000 |
| Total capital | 28,378,000 | 33,226,000 | 33,833,000 | 33,130,000 |
| Risk-weighted assets | 233,393,000 | 233,345,000 | 224,383,000 | 239,110,000 |