Call reports 2016
COMMUNITY STATE BANK — 2016
What COMMUNITY STATE BANK 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 | 169,902,000 | 166,432,000 | 160,248,000 | 157,508,000 |
| Total loans | 66,300,000 | 67,095,000 | 66,459,000 | 67,847,000 |
| Allowance for loan losses | 796,000 | 813,000 | 833,000 | 879,000 |
| Securities available for sale | 88,967,000 | 83,706,000 | 79,299,000 | 73,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,137,000 | 142,267,000 | 140,577,000 | 139,238,000 |
| Interest-bearing deposits | 116,134,000 | 108,509,000 | 108,498,000 | 106,674,000 |
| Noninterest-bearing deposits | 33,003,000 | 33,758,000 | 32,079,000 | 32,564,000 |
| Equity capital | 17,885,000 | 17,963,000 | 18,374,000 | 17,483,000 |
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 | 1,427,000 | 2,840,000 | 4,191,000 | 5,553,000 |
| Interest expense | 73,000 | 138,000 | 199,000 | 252,000 |
| Net interest income | 1,354,000 | 2,702,000 | 3,992,000 | 5,301,000 |
| Noninterest income | 210,000 | 427,000 | 674,000 | 856,000 |
| Noninterest expense | 890,000 | 1,755,000 | 2,667,000 | 3,489,000 |
| Provision for loan losses | 18,000 | 36,000 | 56,000 | 99,000 |
| Pretax income | 656,000 | 1,341,000 | 1,946,000 | 2,602,000 |
| Income tax | 200,000 | 407,000 | 544,000 | 744,000 |
| Net income | 456,000 | 934,000 | 1,402,000 | 1,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,588,000 | 16,550,000 | 17,030,000 | 16,947,000 |
| Total capital | 17,384,000 | 17,363,000 | 17,863,000 | 17,826,000 |
| Risk-weighted assets | 88,493,000 | 89,630,000 | 88,436,000 | 88,446,000 |