Call reports 2016
CITIZENS FIRST STATE BANK OF WALNUT — 2016
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 55,724,000 | 53,786,000 | 49,862,000 | 48,416,000 |
| Total loans | 26,429,000 | 24,606,000 | 23,987,000 | 23,579,000 |
| Allowance for loan losses | 580,000 | 520,000 | 532,000 | 377,000 |
| Securities available for sale | 15,951,000 | 16,823,000 | 17,749,000 | 16,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,156,000 | 50,109,000 | 46,287,000 | 45,120,000 |
| Interest-bearing deposits | 43,065,000 | 42,144,000 | 39,185,000 | 36,438,000 |
| Noninterest-bearing deposits | 9,091,000 | 7,965,000 | 7,102,000 | 8,682,000 |
| Equity capital | 3,368,000 | 3,564,000 | 3,497,000 | 3,188,000 |
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 | 430,000 | 849,000 | 1,260,000 | 1,653,000 |
| Interest expense | 59,000 | 111,000 | 155,000 | 200,000 |
| Net interest income | 371,000 | 738,000 | 1,105,000 | 1,453,000 |
| Noninterest income | -31,000 | 90,000 | 125,000 | 58,000 |
| Noninterest expense | 470,000 | 816,000 | 1,224,000 | 1,628,000 |
| Provision for loan losses | 0 | 0 | 0 | -152,000 |
| Pretax income | -54,000 | 12,000 | 6,000 | 112,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -54,000 | 12,000 | 6,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,292,000 | 3,359,000 | 3,353,000 | 3,459,000 |
| Total capital | 3,611,000 | 3,692,000 | 3,661,000 | 3,766,000 |
| Risk-weighted assets | 25,298,000 | 26,523,000 | 24,390,000 | 24,342,000 |