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 | 124,871,000 | 120,256,000 | 117,040,000 | 129,127,000 |
| Total loans | 64,328,000 | 71,050,000 | 77,840,000 | 78,710,000 |
| Allowance for loan losses | 1,106,000 | 1,119,000 | 1,131,000 | 1,144,000 |
| Securities available for sale | 37,370,000 | 35,046,000 | 31,139,000 | 29,252,000 |
| Securities held to maturity | 130,000 | 128,000 | 76,000 | 74,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,208,000 | 104,708,000 | 99,297,000 | 112,616,000 |
| Interest-bearing deposits | 83,737,000 | 81,609,000 | 75,746,000 | 87,030,000 |
| Noninterest-bearing deposits | 25,471,000 | 23,099,000 | 23,551,000 | 25,586,000 |
| Equity capital | 15,178,000 | 15,247,000 | 15,788,000 | 16,192,000 |
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 | 1,142,000 | 2,357,000 | 3,680,000 | 5,036,000 |
| Interest expense | 74,000 | 146,000 | 216,000 | 289,000 |
| Net interest income | 1,068,000 | 2,211,000 | 3,464,000 | 4,747,000 |
| Noninterest income | 103,000 | 217,000 | 321,000 | 480,000 |
| Noninterest expense | 811,000 | 1,628,000 | 2,420,000 | 3,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 366,000 | 806,000 | 1,371,000 | 2,042,000 |
| Income tax | 95,000 | 227,000 | 404,000 | 620,000 |
| Net income | 271,000 | 579,000 | 967,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,819,000 | 15,126,000 | 15,515,000 | 15,970,000 |
| Total capital | 15,827,000 | 16,172,000 | 16,616,000 | 17,072,000 |
| Risk-weighted assets | 80,520,000 | 83,619,000 | 88,053,000 | 88,139,000 |