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 | 84,226,000 | 84,309,000 | 84,478,000 | 83,573,000 |
| Total loans | 37,452,000 | 38,731,000 | 39,318,000 | 40,504,000 |
| Allowance for loan losses | 571,000 | 578,000 | 565,000 | 558,000 |
| Securities available for sale | 36,097,000 | 35,679,000 | 34,544,000 | 31,150,000 |
| Securities held to maturity | 1,848,000 | 1,847,000 | 2,087,000 | 4,176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,839,000 | 70,888,000 | 69,951,000 | 69,889,000 |
| Interest-bearing deposits | 61,538,000 | 62,068,000 | 61,260,000 | 60,693,000 |
| Noninterest-bearing deposits | 9,301,000 | 8,820,000 | 8,691,000 | 9,196,000 |
| Equity capital | 8,310,000 | 8,309,000 | 8,700,000 | 8,090,000 |
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 | 1,030,000 | 2,085,000 | 3,157,000 | 4,245,000 |
| Interest expense | 144,000 | 291,000 | 434,000 | 577,000 |
| Net interest income | 886,000 | 1,794,000 | 2,723,000 | 3,668,000 |
| Noninterest income | 260,000 | 487,000 | 702,000 | 923,000 |
| Noninterest expense | 830,000 | 1,703,000 | 2,551,000 | 3,465,000 |
| Provision for loan losses | 23,000 | 47,000 | 69,000 | 96,000 |
| Pretax income | 293,000 | 531,000 | 805,000 | 1,073,000 |
| Income tax | 41,000 | 67,000 | 119,000 | 157,000 |
| Net income | 252,000 | 464,000 | 686,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,940,000 | 8,152,000 | 8,375,000 | 7,882,000 |
| Total capital | 8,426,000 | 8,651,000 | 8,879,000 | 8,396,000 |
| Risk-weighted assets | 38,823,000 | 39,795,000 | 40,229,000 | 41,090,000 |