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 | 43,314,000 | 43,646,000 | 41,947,000 | 42,768,000 |
| Total loans | 13,553,000 | 14,435,000 | 16,232,000 | 17,898,000 |
| Allowance for loan losses | 265,000 | 265,000 | 265,000 | 266,000 |
| Securities available for sale | 24,287,000 | 24,595,000 | 23,610,000 | 22,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,549,000 | 36,129,000 | 34,167,000 | 34,949,000 |
| Interest-bearing deposits | 28,158,000 | 28,164,000 | 27,035,000 | 26,661,000 |
| Noninterest-bearing deposits | 7,391,000 | 7,965,000 | 7,132,000 | 8,288,000 |
| Equity capital | 7,370,000 | 7,273,000 | 7,468,000 | 7,527,000 |
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 | 339,000 | 677,000 | 1,030,000 | 1,394,000 |
| Interest expense | 40,000 | 81,000 | 121,000 | 163,000 |
| Net interest income | 299,000 | 596,000 | 909,000 | 1,231,000 |
| Noninterest income | 5,000 | 39,000 | 44,000 | 53,000 |
| Noninterest expense | 158,000 | 313,000 | 531,000 | 746,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 146,000 | 322,000 | 422,000 | 539,000 |
| Income tax | 37,000 | 77,000 | 97,000 | 110,000 |
| Net income | 109,000 | 245,000 | 325,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,932,000 | 7,068,000 | 7,147,000 | 7,221,000 |
| Total capital | 7,187,000 | 7,314,000 | 7,412,000 | 7,487,000 |
| Risk-weighted assets | 20,362,000 | 19,726,000 | 22,630,000 | 24,040,000 |