Call reports 2016
CENTRAL STATE BANK — 2016
What CENTRAL STATE BANK 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 | 127,968,000 | 128,523,000 | 130,373,000 | 132,930,000 |
| Total loans | 110,670,000 | 112,709,000 | 117,882,000 | 115,152,000 |
| Allowance for loan losses | 1,298,000 | 1,448,000 | 1,411,000 | 1,299,000 |
| Securities available for sale | 2,660,000 | 1,926,000 | 1,665,000 | 1,599,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,758,000 | 108,918,000 | 107,536,000 | 110,271,000 |
| Interest-bearing deposits | 94,391,000 | 96,569,000 | 95,009,000 | 96,436,000 |
| Noninterest-bearing deposits | 13,367,000 | 12,350,000 | 12,527,000 | 13,835,000 |
| Equity capital | 18,909,000 | 18,250,000 | 18,337,000 | 18,296,000 |
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 | 1,689,000 | 3,375,000 | 5,141,000 | 6,857,000 |
| Interest expense | 231,000 | 481,000 | 746,000 | 1,011,000 |
| Net interest income | 1,458,000 | 2,894,000 | 4,395,000 | 5,846,000 |
| Noninterest income | 204,000 | 461,000 | 737,000 | 1,103,000 |
| Noninterest expense | 778,000 | 1,622,000 | 2,547,000 | 3,463,000 |
| Provision for loan losses | 100,000 | 295,000 | 295,000 | 535,000 |
| Pretax income | 784,000 | 1,438,000 | 2,290,000 | 2,951,000 |
| Income tax | 11,000 | 23,000 | 34,000 | 45,000 |
| Net income | 773,000 | 1,415,000 | 2,256,000 | 2,906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,882,000 | 18,219,000 | 18,310,000 | 18,296,000 |
| Total capital | 20,116,000 | 19,479,000 | 19,628,000 | 19,585,000 |
| Risk-weighted assets | 98,633,000 | 100,559,000 | 105,353,000 | 103,122,000 |