Call reports 2015
CITIZENS FIRST STATE BANK OF WALNUT — 2015
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 54,019,000 | 53,660,000 | 52,232,000 | 54,413,000 |
| Total loans | 29,261,000 | 28,538,000 | 28,729,000 | 27,538,000 |
| Allowance for loan losses | 711,000 | 711,000 | 718,000 | 592,000 |
| Securities available for sale | 19,487,000 | 19,521,000 | 19,742,000 | 15,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,543,000 | 50,301,000 | 48,768,000 | 50,896,000 |
| Interest-bearing deposits | 41,427,000 | 42,526,000 | 41,548,000 | 42,553,000 |
| Noninterest-bearing deposits | 9,116,000 | 7,775,000 | 7,220,000 | 8,343,000 |
| Equity capital | 3,272,000 | 3,217,000 | 3,291,000 | 3,321,000 |
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 | 439,000 | 887,000 | 1,328,000 | 1,788,000 |
| Interest expense | 60,000 | 120,000 | 183,000 | 243,000 |
| Net interest income | 379,000 | 767,000 | 1,145,000 | 1,545,000 |
| Noninterest income | 21,000 | 54,000 | 94,000 | 126,000 |
| Noninterest expense | 410,000 | 816,000 | 1,226,000 | 1,657,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | -100,000 |
| Pretax income | -19,000 | -13,000 | -12,000 | 116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -19,000 | -13,000 | -12,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,212,000 | 3,218,000 | 3,219,000 | 3,347,000 |
| Total capital | 3,556,000 | 3,545,000 | 3,558,000 | 3,684,000 |
| Risk-weighted assets | 26,922,000 | 25,741,000 | 26,704,000 | 26,667,000 |