Call reports 2016
CITIZENS STATE BANK OF FINLEY, THE — 2016
What CITIZENS STATE BANK OF FINLEY, THE 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 | 130,890,000 | 138,688,000 | 136,733,000 | 134,253,000 |
| Total loans | 84,977,000 | 93,051,000 | 91,626,000 | 87,346,000 |
| Allowance for loan losses | 1,396,000 | 1,396,000 | 1,390,000 | 1,388,000 |
| Securities available for sale | 14,918,000 | 15,109,000 | 13,830,000 | 13,773,000 |
| Securities held to maturity | 22,009,000 | 20,679,000 | 20,073,000 | 19,869,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,394,000 | 96,468,000 | 91,303,000 | 95,098,000 |
| Interest-bearing deposits | 73,339,000 | 73,708,000 | 69,599,000 | 71,211,000 |
| Noninterest-bearing deposits | 21,055,000 | 22,760,000 | 21,704,000 | 23,887,000 |
| Equity capital | 13,660,000 | 13,619,000 | 13,922,000 | 13,964,000 |
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 | 1,233,000 | 2,540,000 | 3,933,000 | 5,223,000 |
| Interest expense | 126,000 | 252,000 | 397,000 | 527,000 |
| Net interest income | 1,107,000 | 2,288,000 | 3,536,000 | 4,696,000 |
| Noninterest income | 217,000 | 438,000 | 729,000 | 1,353,000 |
| Noninterest expense | 1,034,000 | 2,068,000 | 3,103,000 | 4,319,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 294,000 | 665,000 | 1,174,000 | 1,742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 294,000 | 665,000 | 1,174,000 | 1,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,591,000 | 13,442,000 | 13,782,000 | 14,181,000 |
| Total capital | 14,858,000 | 14,791,000 | 15,131,000 | 15,482,000 |
| Risk-weighted assets | 100,788,000 | 107,545,000 | 107,317,000 | 103,292,000 |