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 | 83,914,000 | 80,998,000 | 81,741,000 | 81,689,000 |
| Total loans | 33,276,000 | 28,356,000 | 24,714,000 | 23,534,000 |
| Allowance for loan losses | 661,000 | 642,000 | 589,000 | 586,000 |
| Securities available for sale | 32,645,000 | 37,194,000 | 41,860,000 | 42,116,000 |
| Securities held to maturity | 6,047,000 | 5,592,000 | 5,067,000 | 4,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,208,000 | 59,771,000 | 60,093,000 | 60,116,000 |
| Interest-bearing deposits | 55,756,000 | 53,355,000 | 53,739,000 | 53,183,000 |
| Noninterest-bearing deposits | 6,452,000 | 6,416,000 | 6,354,000 | 6,933,000 |
| Equity capital | 10,415,000 | 9,960,000 | 10,338,000 | 10,285,000 |
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 | 673,000 | 1,323,000 | 1,928,000 | 2,521,000 |
| Interest expense | 197,000 | 386,000 | 565,000 | 744,000 |
| Net interest income | 476,000 | 937,000 | 1,363,000 | 1,777,000 |
| Noninterest income | 31,000 | 62,000 | 78,000 | 124,000 |
| Noninterest expense | 263,000 | 564,000 | 837,000 | 1,133,000 |
| Provision for loan losses | 75,000 | 150,000 | 160,000 | 160,000 |
| Pretax income | 182,000 | 343,000 | 545,000 | 718,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 29,000 |
| Net income | 172,000 | 323,000 | 514,000 | 689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,195,000 | 10,219,000 | 10,350,000 | 10,464,000 |
| Total capital | 10,708,000 | 10,675,000 | 10,749,000 | 10,851,000 |
| Risk-weighted assets | 40,926,000 | 36,302,000 | 31,709,000 | 30,757,000 |
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