Call reports 2015
CENTRAL STATE BANK — 2015
What CENTRAL 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 | 120,910,000 | 121,743,000 | 122,567,000 | 125,914,000 |
| Total loans | 103,958,000 | 109,172,000 | 110,109,000 | 109,601,000 |
| Allowance for loan losses | 1,277,000 | 1,298,000 | 1,290,000 | 1,210,000 |
| Securities available for sale | 3,724,000 | 3,248,000 | 3,404,000 | 2,766,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,651,000 | 102,656,000 | 102,882,000 | 106,403,000 |
| Interest-bearing deposits | 88,089,000 | 88,853,000 | 89,682,000 | 92,033,000 |
| Noninterest-bearing deposits | 13,562,000 | 13,804,000 | 13,200,000 | 14,370,000 |
| Equity capital | 18,253,000 | 17,985,000 | 18,286,000 | 18,126,000 |
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 | 1,652,000 | 3,395,000 | 5,052,000 | 6,726,000 |
| Interest expense | 208,000 | 415,000 | 625,000 | 855,000 |
| Net interest income | 1,444,000 | 2,980,000 | 4,427,000 | 5,871,000 |
| Noninterest income | 199,000 | 384,000 | 641,000 | 954,000 |
| Noninterest expense | 805,000 | 1,611,000 | 2,407,000 | 3,388,000 |
| Provision for loan losses | 35,000 | 210,000 | 310,000 | 440,000 |
| Pretax income | 803,000 | 1,543,000 | 2,351,000 | 2,997,000 |
| Income tax | 0 | 0 | 0 | 46,000 |
| Net income | 803,000 | 1,543,000 | 2,351,000 | 2,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,703,000 | 17,985,000 | 18,286,000 | 18,126,000 |
| Total capital | 18,895,000 | 19,204,000 | 19,540,000 | 19,328,000 |
| Risk-weighted assets | 95,321,000 | 97,398,000 | 100,363,000 | 96,129,000 |