Call reports 2015
CITIZENS STATE BANK, THE — 2015
What CITIZENS STATE BANK, THE 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 | 304,250,000 | 302,405,000 | 303,236,000 | 311,773,000 |
| Total loans | 231,620,000 | 241,618,000 | 238,457,000 | 252,007,000 |
| Allowance for loan losses | 3,156,000 | 3,150,000 | 3,150,000 | 3,147,000 |
| Securities available for sale | 49,598,000 | 50,682,000 | 48,287,000 | 49,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,178,000 | 222,962,000 | 222,409,000 | 231,534,000 |
| Interest-bearing deposits | 197,083,000 | 194,932,000 | 193,336,000 | 193,250,000 |
| Noninterest-bearing deposits | 29,095,000 | 28,030,000 | 29,073,000 | 38,284,000 |
| Equity capital | 32,666,000 | 32,001,000 | 32,587,000 | 32,670,000 |
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 | 3,157,000 | 6,279,000 | 9,493,000 | 12,742,000 |
| Interest expense | 709,000 | 1,427,000 | 2,143,000 | 2,864,000 |
| Net interest income | 2,448,000 | 4,852,000 | 7,350,000 | 9,878,000 |
| Noninterest income | 237,000 | 370,000 | 528,000 | 714,000 |
| Noninterest expense | 1,023,000 | 2,095,000 | 3,147,000 | 4,272,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,662,000 | 3,137,000 | 4,741,000 | 6,333,000 |
| Income tax | 68,000 | 136,000 | 204,000 | 263,000 |
| Net income | 1,594,000 | 3,001,000 | 4,537,000 | 6,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,189,000 | 29,282,000 | 29,475,000 | 29,670,000 |
| Total capital | 32,263,000 | 32,432,000 | 32,625,000 | 32,817,000 |
| Risk-weighted assets | 245,856,000 | 257,660,000 | 257,503,000 | 267,610,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS STATE BANK, THE — 2015 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.