Call reports 2016
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2016
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 64,712,000 | 64,225,000 | 66,337,000 | 68,656,000 |
| Total loans | 44,162,000 | 44,641,000 | 43,628,000 | 45,127,000 |
| Allowance for loan losses | 393,000 | 438,000 | 483,000 | 493,000 |
| Securities available for sale | 7,858,000 | 8,032,000 | 9,122,000 | 9,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,799,000 | 53,351,000 | 55,607,000 | 58,088,000 |
| Interest-bearing deposits | 38,575,000 | 38,867,000 | 39,258,000 | 42,403,000 |
| Noninterest-bearing deposits | 15,224,000 | 14,484,000 | 16,349,000 | 15,685,000 |
| Equity capital | 8,832,000 | 9,002,000 | 8,859,000 | 8,837,000 |
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 | 627,000 | 1,280,000 | 1,939,000 | 2,597,000 |
| Interest expense | 41,000 | 82,000 | 121,000 | 160,000 |
| Net interest income | 586,000 | 1,198,000 | 1,818,000 | 2,437,000 |
| Noninterest income | 91,000 | 188,000 | 287,000 | 379,000 |
| Noninterest expense | 439,000 | 865,000 | 1,312,000 | 1,762,000 |
| Provision for loan losses | 0 | 45,000 | 90,000 | 100,000 |
| Pretax income | 238,000 | 476,000 | 703,000 | 954,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 237,000 | 475,000 | 702,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,871,000 | 6,015,000 | 5,904,000 | 6,046,000 |
| Total capital | 6,264,000 | 6,453,000 | 6,387,000 | 6,539,000 |
| Risk-weighted assets | 44,876,000 | 44,957,000 | 44,248,000 | 45,499,000 |