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 | 279,059,000 | 283,600,000 | 281,614,000 | 288,284,000 |
| Total loans | 199,992,000 | 193,309,000 | 198,885,000 | 203,514,000 |
| Allowance for loan losses | 2,269,000 | 2,657,000 | 2,466,000 | 2,409,000 |
| Securities available for sale | 10,679,000 | 13,287,000 | 12,852,000 | 11,708,000 |
| Securities held to maturity | 8,985,000 | 8,767,000 | 8,553,000 | 9,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,764,000 | 260,241,000 | 257,971,000 | 264,859,000 |
| Interest-bearing deposits | 233,175,000 | 237,060,000 | 234,244,000 | 238,168,000 |
| Noninterest-bearing deposits | 22,590,000 | 23,182,000 | 23,727,000 | 26,690,000 |
| Equity capital | 22,735,000 | 22,662,000 | 22,919,000 | 23,129,000 |
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 | 4,302,000 | 8,828,000 | 13,170,000 | 17,417,000 |
| Interest expense | 681,000 | 1,401,000 | 2,163,000 | 2,909,000 |
| Net interest income | 3,621,000 | 7,427,000 | 11,007,000 | 14,508,000 |
| Noninterest income | 99,000 | 265,000 | 358,000 | 461,000 |
| Noninterest expense | 2,424,000 | 4,941,000 | 7,575,000 | 10,202,000 |
| Provision for loan losses | 740,000 | 1,517,000 | 1,915,000 | 2,366,000 |
| Pretax income | 571,000 | 1,300,000 | 1,941,000 | 2,467,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 571,000 | 1,300,000 | 1,941,000 | 2,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,794,000 | 22,968,000 | 23,172,000 | 23,514,000 |
| Total capital | 25,063,000 | 25,520,000 | 25,638,000 | 25,923,000 |
| Risk-weighted assets | 210,886,000 | 204,092,000 | 207,748,000 | 216,184,000 |