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 | 55,142,000 | 51,636,000 | 53,542,000 | 53,329,000 |
| Total loans | 13,754,000 | 13,691,000 | 13,790,000 | 13,888,000 |
| Allowance for loan losses | 484,000 | 485,000 | 476,000 | 480,000 |
| Securities available for sale | 22,037,000 | 22,971,000 | 22,545,000 | 21,821,000 |
| Securities held to maturity | 84,000 | 84,000 | 74,000 | 74,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,416,000 | 44,957,000 | 46,706,000 | 46,610,000 |
| Interest-bearing deposits | 40,605,000 | 37,859,000 | 39,118,000 | 37,411,000 |
| Noninterest-bearing deposits | 7,811,000 | 7,098,000 | 7,588,000 | 9,199,000 |
| Equity capital | 6,688,000 | 6,624,000 | 6,781,000 | 6,695,000 |
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 | 376,000 | 777,000 | 1,175,000 | 1,581,000 |
| Interest expense | 19,000 | 38,000 | 58,000 | 77,000 |
| Net interest income | 357,000 | 739,000 | 1,117,000 | 1,504,000 |
| Noninterest income | 20,000 | 59,000 | 72,000 | 114,000 |
| Noninterest expense | 384,000 | 734,000 | 1,075,000 | 1,422,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | 64,000 | 114,000 | 196,000 |
| Income tax | 0 | 0 | 0 | 10,000 |
| Net income | -7,000 | 64,000 | 114,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,517,000 | 6,589,000 | 6,283,000 | 6,357,000 |
| Total capital | 6,749,000 | 6,808,000 | 6,503,000 | 6,579,000 |
| Risk-weighted assets | 18,376,000 | 17,275,000 | 17,187,000 | 17,349,000 |