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 | 42,996,000 | 43,366,000 | 41,698,000 | 42,180,000 |
| Total loans | 14,926,000 | 14,973,000 | 15,973,000 | 16,997,000 |
| Allowance for loan losses | 266,000 | 266,000 | 266,000 | 201,000 |
| Securities available for sale | 22,850,000 | 25,140,000 | 22,943,000 | 20,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,958,000 | 35,020,000 | 33,276,000 | 34,430,000 |
| Interest-bearing deposits | 27,181,000 | 27,856,000 | 26,744,000 | 26,893,000 |
| Noninterest-bearing deposits | 7,777,000 | 7,164,000 | 6,532,000 | 7,537,000 |
| Equity capital | 7,683,000 | 7,926,000 | 8,022,000 | 7,636,000 |
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 | 352,000 | 700,000 | 1,054,000 | 1,400,000 |
| Interest expense | 39,000 | 78,000 | 118,000 | 158,000 |
| Net interest income | 313,000 | 622,000 | 936,000 | 1,242,000 |
| Noninterest income | 5,000 | 34,000 | 80,000 | 92,000 |
| Noninterest expense | 178,000 | 337,000 | 515,000 | 729,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 140,000 | 320,000 | 503,000 | 537,000 |
| Income tax | 36,000 | 79,000 | 117,000 | 107,000 |
| Net income | 104,000 | 241,000 | 386,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,682,000 | 7,462,000 | 7,609,000 | 7,621,000 |
| Total capital | 7,948,000 | 7,728,000 | 7,875,000 | 7,822,000 |
| Risk-weighted assets | 22,075,000 | 21,961,000 | 22,031,000 | 23,224,000 |