Call reports 2015
COMMUNITY STATE BANK — 2015
What COMMUNITY 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 | 204,440,000 | 210,225,000 | 208,193,000 | 217,713,000 |
| Total loans | 164,325,000 | 171,601,000 | 169,028,000 | 179,119,000 |
| Allowance for loan losses | 2,321,000 | 2,497,000 | 2,585,000 | 2,592,000 |
| Securities available for sale | 21,318,000 | 21,334,000 | 25,319,000 | 25,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,785,000 | 175,430,000 | 173,457,000 | 185,470,000 |
| Interest-bearing deposits | 135,440,000 | 139,841,000 | 138,180,000 | 135,642,000 |
| Noninterest-bearing deposits | 33,345,000 | 35,589,000 | 35,277,000 | 49,828,000 |
| Equity capital | 20,851,000 | 21,031,000 | 21,405,000 | 21,840,000 |
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 | 2,122,000 | 4,326,000 | 6,544,000 | 8,817,000 |
| Interest expense | 279,000 | 539,000 | 791,000 | 1,041,000 |
| Net interest income | 1,843,000 | 3,787,000 | 5,753,000 | 7,776,000 |
| Noninterest income | 302,000 | 602,000 | 897,000 | 1,193,000 |
| Noninterest expense | 1,280,000 | 2,651,000 | 4,046,000 | 5,420,000 |
| Provision for loan losses | 63,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 805,000 | 1,618,000 | 2,488,000 | 3,433,000 |
| Income tax | 278,000 | 562,000 | 862,000 | 1,189,000 |
| Net income | 527,000 | 1,056,000 | 1,626,000 | 2,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,953,000 | 21,222,000 | 21,532,000 | 21,890,000 |
| Total capital | 22,722,000 | 23,101,000 | 23,372,000 | 23,856,000 |
| Risk-weighted assets | 141,022,000 | 149,687,000 | 146,487,000 | 156,640,000 |