Call reports 2016
COMMUNITY STATE BANK — 2016
What COMMUNITY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 146,258,000 | 151,380,000 | 149,822,000 | 160,388,000 |
| Total loans | 88,199,000 | 92,565,000 | 91,548,000 | 94,424,000 |
| Allowance for loan losses | 1,367,000 | 1,434,000 | 1,468,000 | 1,434,000 |
| Securities available for sale | 55,017,000 | 55,502,000 | 51,614,000 | 55,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,582,000 | 124,964,000 | 123,104,000 | 131,038,000 |
| Interest-bearing deposits | 100,199,000 | 101,758,000 | 100,654,000 | 105,839,000 |
| Noninterest-bearing deposits | 21,383,000 | 23,206,000 | 22,450,000 | 25,199,000 |
| Equity capital | 16,270,000 | 17,221,000 | 17,015,000 | 15,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,403,000 | 2,775,000 | 4,200,000 | 5,683,000 |
| Interest expense | 231,000 | 461,000 | 700,000 | 951,000 |
| Net interest income | 1,172,000 | 2,314,000 | 3,500,000 | 4,732,000 |
| Noninterest income | 438,000 | 901,000 | 1,262,000 | 1,591,000 |
| Noninterest expense | 957,000 | 1,869,000 | 2,902,000 | 3,932,000 |
| Provision for loan losses | 30,000 | 120,000 | 150,000 | 150,000 |
| Pretax income | 661,000 | 1,302,000 | 1,829,000 | 2,367,000 |
| Income tax | 28,000 | 55,000 | 78,000 | 101,000 |
| Net income | 633,000 | 1,247,000 | 1,751,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,617,000 | 14,993,000 | 15,258,000 | 15,535,000 |
| Total capital | 15,753,000 | 16,131,000 | 16,367,000 | 16,700,000 |
| Risk-weighted assets | 90,583,000 | 90,717,000 | 88,327,000 | 92,881,000 |