Call reports 2015
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2015
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 70,361,000 | 67,325,000 | 68,012,000 | 68,531,000 |
| Total loans | 47,813,000 | 46,744,000 | 45,791,000 | 45,342,000 |
| Allowance for loan losses | 367,000 | 384,000 | 384,000 | 384,000 |
| Securities available for sale | 8,546,000 | 8,429,000 | 8,261,000 | 8,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,539,000 | 54,238,000 | 55,446,000 | 57,479,000 |
| Interest-bearing deposits | 40,456,000 | 39,010,000 | 39,388,000 | 41,473,000 |
| Noninterest-bearing deposits | 17,083,000 | 15,228,000 | 16,058,000 | 16,006,000 |
| Equity capital | 8,661,000 | 8,966,000 | 8,806,000 | 8,978,000 |
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 | 724,000 | 1,471,000 | 2,210,000 | 2,864,000 |
| Interest expense | 56,000 | 113,000 | 167,000 | 220,000 |
| Net interest income | 668,000 | 1,358,000 | 2,043,000 | 2,644,000 |
| Noninterest income | 99,000 | 211,000 | 316,000 | 420,000 |
| Noninterest expense | 424,000 | 855,000 | 1,403,000 | 1,824,000 |
| Provision for loan losses | 45,000 | 62,000 | 62,000 | 62,000 |
| Pretax income | 298,000 | 656,000 | 898,000 | 1,182,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 297,000 | 655,000 | 896,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,752,000 | 6,114,000 | 5,915,000 | 6,103,000 |
| Total capital | 6,119,000 | 6,498,000 | 6,299,000 | 6,487,000 |
| Risk-weighted assets | 45,754,000 | 44,587,000 | 44,504,000 | 44,657,000 |