Call reports 2015
COMMUNITY STATE BANK OF ORBISONIA — 2015
What COMMUNITY STATE BANK OF ORBISONIA 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 | 319,498,000 | 313,089,000 | 315,079,000 | 312,962,000 |
| Total loans | 276,279,000 | 275,288,000 | 274,686,000 | 272,345,000 |
| Allowance for loan losses | 3,395,000 | 3,386,000 | 3,448,000 | 2,884,000 |
| Securities available for sale | 17,709,000 | 16,147,000 | 18,946,000 | 18,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,763,000 | 279,509,000 | 277,588,000 | 276,420,000 |
| Interest-bearing deposits | 268,215,000 | 262,915,000 | 259,863,000 | 259,545,000 |
| Noninterest-bearing deposits | 17,548,000 | 16,594,000 | 17,725,000 | 16,875,000 |
| Equity capital | 31,480,000 | 32,001,000 | 32,593,000 | 32,614,000 |
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 | 3,668,000 | 7,308,000 | 10,959,000 | 14,555,000 |
| Interest expense | 800,000 | 1,525,000 | 2,219,000 | 2,911,000 |
| Net interest income | 2,868,000 | 5,783,000 | 8,740,000 | 11,644,000 |
| Noninterest income | 408,000 | 821,000 | 1,229,000 | 1,667,000 |
| Noninterest expense | 2,080,000 | 4,368,000 | 6,501,000 | 9,112,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 1,001,000 | 1,846,000 | 2,883,000 | 3,419,000 |
| Income tax | 331,000 | 561,000 | 871,000 | 999,000 |
| Net income | 670,000 | 1,285,000 | 2,012,000 | 2,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,512,000 | 31,971,000 | 32,542,000 | 32,588,000 |
| Total capital | 34,087,000 | 34,514,000 | 35,006,000 | 35,018,000 |
| Risk-weighted assets | 205,203,000 | 202,562,000 | 196,115,000 | 193,952,000 |