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 | 150,276,000 | 148,487,000 | 148,120,000 | 151,252,000 |
| Total loans | 84,957,000 | 82,364,000 | 85,357,000 | 85,791,000 |
| Allowance for loan losses | 1,244,000 | 1,271,000 | 1,300,000 | 1,338,000 |
| Securities available for sale | 60,621,000 | 59,203,000 | 57,665,000 | 59,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,416,000 | 125,340,000 | 123,077,000 | 127,291,000 |
| Interest-bearing deposits | 104,350,000 | 99,836,000 | 100,561,000 | 102,055,000 |
| Noninterest-bearing deposits | 25,066,000 | 25,504,000 | 22,516,000 | 25,236,000 |
| Equity capital | 15,324,000 | 14,728,000 | 15,462,000 | 15,875,000 |
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 | 1,344,000 | 2,699,000 | 4,053,000 | 5,385,000 |
| Interest expense | 197,000 | 397,000 | 599,000 | 813,000 |
| Net interest income | 1,147,000 | 2,302,000 | 3,454,000 | 4,572,000 |
| Noninterest income | 410,000 | 789,000 | 1,175,000 | 1,513,000 |
| Noninterest expense | 938,000 | 1,829,000 | 2,783,000 | 3,876,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 581,000 | 1,226,000 | 1,830,000 | 2,159,000 |
| Income tax | 26,000 | 55,000 | 82,000 | 97,000 |
| Net income | 555,000 | 1,171,000 | 1,748,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,398,000 | 13,854,000 | 14,027,000 | 14,263,000 |
| Total capital | 14,519,000 | 14,961,000 | 15,153,000 | 15,394,000 |
| Risk-weighted assets | 89,420,000 | 88,347,000 | 89,869,000 | 90,264,000 |