Call reports 2015
CITIZENS STATE BANK OF FINLEY, THE — 2015
What CITIZENS STATE BANK OF FINLEY, THE 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 | 123,954,000 | 129,491,000 | 136,077,000 | 134,449,000 |
| Total loans | 78,625,000 | 86,385,000 | 86,871,000 | 86,442,000 |
| Allowance for loan losses | 1,402,000 | 1,400,000 | 1,400,000 | 1,397,000 |
| Securities available for sale | 14,724,000 | 13,452,000 | 14,429,000 | 15,233,000 |
| Securities held to maturity | 19,984,000 | 20,136,000 | 21,427,000 | 21,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,360,000 | 93,829,000 | 97,307,000 | 105,095,000 |
| Interest-bearing deposits | 75,120,000 | 74,148,000 | 76,281,000 | 79,967,000 |
| Noninterest-bearing deposits | 24,240,000 | 19,681,000 | 21,026,000 | 25,128,000 |
| Equity capital | 12,387,000 | 12,348,000 | 12,903,000 | 13,293,000 |
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 | 1,127,000 | 2,308,000 | 3,583,000 | 4,871,000 |
| Interest expense | 95,000 | 195,000 | 307,000 | 421,000 |
| Net interest income | 1,032,000 | 2,113,000 | 3,276,000 | 4,450,000 |
| Noninterest income | 258,000 | 482,000 | 923,000 | 1,368,000 |
| Noninterest expense | 1,098,000 | 2,147,000 | 3,197,000 | 4,325,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 207,000 | 460,000 | 1,014,000 | 1,505,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 460,000 | 1,014,000 | 1,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,315,000 | 12,455,000 | 12,913,000 | 13,311,000 |
| Total capital | 13,443,000 | 13,667,000 | 14,213,000 | 14,590,000 |
| Risk-weighted assets | 89,993,000 | 96,850,000 | 103,978,000 | 102,272,000 |