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 | 322,314,000 | 321,636,000 | 326,325,000 | 310,965,000 |
| Total loans | 270,155,000 | 277,505,000 | 281,284,000 | 282,220,000 |
| Allowance for loan losses | 3,219,000 | 3,269,000 | 3,270,000 | 3,253,000 |
| Securities available for sale | 7,637,000 | 6,930,000 | 26,271,000 | 5,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,624,000 | 219,057,000 | 220,085,000 | 217,038,000 |
| Interest-bearing deposits | 146,874,000 | 143,835,000 | 144,537,000 | 141,272,000 |
| Noninterest-bearing deposits | 70,750,000 | 75,221,000 | 75,549,000 | 75,767,000 |
| Equity capital | 34,818,000 | 35,883,000 | 37,114,000 | 38,117,000 |
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 | 3,400,000 | 6,857,000 | 10,377,000 | 13,821,000 |
| Interest expense | 437,000 | 856,000 | 1,255,000 | 1,643,000 |
| Net interest income | 2,963,000 | 6,001,000 | 9,122,000 | 12,178,000 |
| Noninterest income | 669,000 | 1,308,000 | 1,987,000 | 2,738,000 |
| Noninterest expense | 1,911,000 | 3,924,000 | 5,874,000 | 8,165,000 |
| Provision for loan losses | 154,000 | 210,000 | 218,000 | 227,000 |
| Pretax income | 1,567,000 | 3,175,000 | 5,017,000 | 6,524,000 |
| Income tax | 533,000 | 1,078,000 | 1,700,000 | 2,198,000 |
| Net income | 1,034,000 | 2,097,000 | 3,317,000 | 4,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,953,000 | 35,968,000 | 37,189,000 | 38,198,000 |
| Total capital | 35,216,000 | 39,227,000 | 40,456,000 | 41,451,000 |
| Risk-weighted assets | 255,423,000 | 260,699,000 | 261,207,000 | 263,475,000 |