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 | 58,103,000 | 56,258,000 | 55,943,000 | 54,559,000 |
| Total loans | 25,628,000 | 25,782,000 | 26,533,000 | 26,349,000 |
| Allowance for loan losses | 613,000 | 617,000 | 417,000 | 417,000 |
| Securities available for sale | 22,364,000 | 23,497,000 | 19,672,000 | 20,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,842,000 | 47,317,000 | 45,606,000 | 45,842,000 |
| Interest-bearing deposits | 36,129,000 | 35,560,000 | 34,131,000 | 33,292,000 |
| Noninterest-bearing deposits | 12,713,000 | 11,757,000 | 11,475,000 | 12,549,000 |
| Equity capital | 5,126,000 | 5,126,000 | 5,292,000 | 5,214,000 |
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 | 407,000 | 838,000 | 1,281,000 | 1,732,000 |
| Interest expense | 53,000 | 103,000 | 148,000 | 195,000 |
| Net interest income | 354,000 | 735,000 | 1,133,000 | 1,537,000 |
| Noninterest income | 71,000 | 138,000 | 206,000 | 279,000 |
| Noninterest expense | 235,000 | 468,000 | 682,000 | 983,000 |
| Provision for loan losses | 1,000 | 1,000 | -199,000 | -199,000 |
| Pretax income | 189,000 | 404,000 | 856,000 | 1,032,000 |
| Income tax | 63,000 | 146,000 | 224,000 | 352,000 |
| Net income | 126,000 | 258,000 | 632,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,942,000 | 5,117,000 | 5,244,000 | 5,225,000 |
| Total capital | 5,555,000 | 5,734,000 | 5,665,000 | 5,642,000 |
| Risk-weighted assets | 25,473,000 | 19,495,000 | 19,827,000 | 20,409,000 |