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 | 34,954,000 | 33,047,000 | 31,415,000 | 35,238,000 |
| Total loans | 13,081,000 | 18,100,000 | 20,545,000 | 18,841,000 |
| Allowance for loan losses | 157,000 | 242,000 | 139,000 | 139,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,542,000 | 7,320,000 | 5,337,000 | 3,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,060,000 | 30,227,000 | 28,386,000 | 32,237,000 |
| Interest-bearing deposits | 25,212,000 | 23,931,000 | 26,271,000 | 24,382,000 |
| Noninterest-bearing deposits | 6,848,000 | 6,296,000 | 2,115,000 | 7,855,000 |
| Equity capital | 2,670,000 | 2,615,000 | 2,789,000 | 2,803,000 |
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 | 219,000 | 469,000 | 778,000 | 1,094,000 |
| Interest expense | 31,000 | 64,000 | 95,000 | 128,000 |
| Net interest income | 188,000 | 405,000 | 683,000 | 966,000 |
| Noninterest income | 32,000 | 57,000 | 93,000 | 124,000 |
| Noninterest expense | 215,000 | 419,000 | 618,000 | 908,000 |
| Provision for loan losses | 0 | 84,000 | 0 | 0 |
| Pretax income | 5,000 | -51,000 | 148,000 | 172,000 |
| Income tax | 3,000 | 3,000 | 27,000 | 32,000 |
| Net income | 2,000 | -54,000 | 121,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,670,000 | 2,615,000 | 2,789,000 | 2,803,000 |
| Total capital | 2,827,000 | 2,857,000 | 2,928,000 | 2,942,000 |
| Risk-weighted assets | 19,092,000 | 21,031,000 | 21,882,000 | 21,633,000 |