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 | 178,007,000 | 176,538,000 | 174,491,000 | 170,047,000 |
| Total loans | 59,603,000 | 67,467,000 | 69,078,000 | 72,801,000 |
| Allowance for loan losses | 609,000 | 752,000 | 772,000 | 777,000 |
| Securities available for sale | 94,692,000 | 93,536,000 | 88,135,000 | 82,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,052,000 | 157,124,000 | 154,895,000 | 149,857,000 |
| Interest-bearing deposits | 127,130,000 | 124,231,000 | 119,614,000 | 112,496,000 |
| Noninterest-bearing deposits | 31,922,000 | 32,893,000 | 35,281,000 | 37,361,000 |
| Equity capital | 17,323,000 | 17,193,000 | 17,990,000 | 17,589,000 |
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 | 1,375,000 | 2,789,000 | 4,216,000 | 5,715,000 |
| Interest expense | 87,000 | 170,000 | 249,000 | 323,000 |
| Net interest income | 1,288,000 | 2,619,000 | 3,967,000 | 5,392,000 |
| Noninterest income | 224,000 | 462,000 | 711,000 | 940,000 |
| Noninterest expense | 940,000 | 1,809,000 | 2,689,000 | 3,624,000 |
| Provision for loan losses | 18,000 | 141,000 | 160,000 | 178,000 |
| Pretax income | 554,000 | 1,131,000 | 1,829,000 | 2,530,000 |
| Income tax | 160,000 | 367,000 | 528,000 | 737,000 |
| Net income | 394,000 | 764,000 | 1,301,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,951,000 | 16,242,000 | 16,787,000 | 16,692,000 |
| Total capital | 16,560,000 | 16,994,000 | 17,559,000 | 17,469,000 |
| Risk-weighted assets | 82,616,000 | 92,505,000 | 93,468,000 | 92,316,000 |