Call reports 2015
CITY STATE BANK, THE — 2015
What CITY STATE BANK, THE 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 | 39,315,000 | 38,357,000 | 38,102,000 | 37,122,000 |
| Total loans | 21,590,000 | 22,223,000 | 22,196,000 | 22,780,000 |
| Allowance for loan losses | 215,000 | 220,000 | 224,000 | 227,000 |
| Securities available for sale | 2,166,000 | 1,957,000 | 1,961,000 | 1,657,000 |
| Securities held to maturity | 7,521,000 | 7,426,000 | 7,137,000 | 6,403,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,031,000 | 35,012,000 | 34,691,000 | 33,719,000 |
| Interest-bearing deposits | 28,720,000 | 28,749,000 | 28,541,000 | 27,404,000 |
| Noninterest-bearing deposits | 7,311,000 | 6,263,000 | 6,150,000 | 6,315,000 |
| Equity capital | 3,222,000 | 3,262,000 | 3,310,000 | 3,331,000 |
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 | 346,000 | 705,000 | 1,063,000 | 1,424,000 |
| Interest expense | 36,000 | 71,000 | 107,000 | 140,000 |
| Net interest income | 310,000 | 634,000 | 956,000 | 1,284,000 |
| Noninterest income | 47,000 | 95,000 | 143,000 | 186,000 |
| Noninterest expense | 260,000 | 521,000 | 784,000 | 1,059,000 |
| Provision for loan losses | 5,000 | 10,000 | 14,000 | 17,000 |
| Pretax income | 92,000 | 198,000 | 301,000 | 394,000 |
| Income tax | 4,000 | 8,000 | 13,000 | 14,000 |
| Net income | 88,000 | 190,000 | 288,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,214,000 | 3,262,000 | 3,304,000 | 3,327,000 |
| Total capital | 3,429,000 | 3,482,000 | 3,528,000 | 3,554,000 |
| Risk-weighted assets | 20,342,000 | 20,982,000 | 20,958,000 | 21,429,000 |