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 | 470,147,000 | 449,229,000 | 450,382,000 | 460,618,000 |
| Total loans | 234,851,000 | 244,434,000 | 256,106,000 | 265,840,000 |
| Allowance for loan losses | 2,524,000 | 2,573,000 | 2,563,000 | 3,521,000 |
| Securities available for sale | 109,318,000 | 108,092,000 | 106,531,000 | 105,629,000 |
| Securities held to maturity | 6,336,000 | 6,328,000 | 5,301,000 | 5,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,953,000 | 399,666,000 | 398,812,000 | 411,137,000 |
| Interest-bearing deposits | 376,976,000 | 361,904,000 | 355,356,000 | 363,123,000 |
| Noninterest-bearing deposits | 42,977,000 | 37,762,000 | 43,456,000 | 48,014,000 |
| Equity capital | 45,468,000 | 44,633,000 | 45,940,000 | 45,714,000 |
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 | 4,268,000 | 8,631,000 | 13,132,000 | 17,778,000 |
| Interest expense | 277,000 | 538,000 | 784,000 | 1,018,000 |
| Net interest income | 3,991,000 | 8,093,000 | 12,348,000 | 16,760,000 |
| Noninterest income | 937,000 | 1,912,000 | 2,953,000 | 3,950,000 |
| Noninterest expense | 3,341,000 | 6,482,000 | 9,917,000 | 13,601,000 |
| Provision for loan losses | 105,000 | 210,000 | 335,000 | 1,450,000 |
| Pretax income | 1,482,000 | 3,313,000 | 5,049,000 | 5,659,000 |
| Income tax | 435,000 | 983,000 | 1,501,000 | 1,638,000 |
| Net income | 1,047,000 | 2,330,000 | 3,548,000 | 4,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,574,000 | 44,109,000 | 45,328,000 | 45,316,000 |
| Total capital | 47,112,000 | 46,687,000 | 47,899,000 | 48,835,000 |
| Risk-weighted assets | 275,825,000 | 277,627,000 | 274,001,000 | 281,125,000 |