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 | 125,988,000 | 121,855,000 | 127,625,000 | 129,728,000 |
| Total loans | 58,785,000 | 63,849,000 | 65,403,000 | 68,212,000 |
| Allowance for loan losses | 674,000 | 699,000 | 733,000 | 727,000 |
| Securities available for sale | 51,968,000 | 49,234,000 | 47,629,000 | 46,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,438,000 | 108,519,000 | 113,701,000 | 115,613,000 |
| Interest-bearing deposits | 86,125,000 | 83,451,000 | 86,419,000 | 86,476,000 |
| Noninterest-bearing deposits | 26,313,000 | 25,068,000 | 27,282,000 | 29,137,000 |
| Equity capital | 13,168,000 | 12,872,000 | 13,332,000 | 13,238,000 |
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 | 1,293,000 | 2,656,000 | 4,027,000 | 5,425,000 |
| Interest expense | 146,000 | 289,000 | 428,000 | 565,000 |
| Net interest income | 1,147,000 | 2,367,000 | 3,599,000 | 4,860,000 |
| Noninterest income | 229,000 | 450,000 | 674,000 | 913,000 |
| Noninterest expense | 789,000 | 1,610,000 | 2,418,000 | 3,169,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 542,000 | 1,117,000 | 1,720,000 | 2,424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 542,000 | 1,117,000 | 1,720,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,797,000 | 12,671,000 | 12,875,000 | 12,982,000 |
| Total capital | 13,471,000 | 13,370,000 | 13,608,000 | 13,709,000 |
| Risk-weighted assets | 66,700,000 | 69,930,000 | 71,651,000 | 74,645,000 |