Call reports 2015
CENTRAL STATE BANK — 2015
What CENTRAL 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 | 68,055,000 | 66,460,000 | 72,080,000 | 68,822,000 |
| Total loans | 34,954,000 | 37,094,000 | 38,094,000 | 38,456,000 |
| Allowance for loan losses | 398,000 | 397,000 | 404,000 | 422,000 |
| Securities available for sale | 16,162,000 | 14,231,000 | 13,697,000 | 12,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,155,000 | 56,419,000 | 62,184,000 | 59,095,000 |
| Interest-bearing deposits | 44,034,000 | 40,490,000 | 45,775,000 | 42,662,000 |
| Noninterest-bearing deposits | 14,121,000 | 15,929,000 | 16,409,000 | 16,433,000 |
| Equity capital | 9,143,000 | 9,175,000 | 9,242,000 | 9,327,000 |
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 | 511,000 | 1,027,000 | 1,574,000 | 2,139,000 |
| Interest expense | 23,000 | 47,000 | 70,000 | 94,000 |
| Net interest income | 488,000 | 980,000 | 1,504,000 | 2,045,000 |
| Noninterest income | 176,000 | 389,000 | 600,000 | 864,000 |
| Noninterest expense | 618,000 | 1,264,000 | 1,899,000 | 2,533,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 28,000 |
| Pretax income | 46,000 | 105,000 | 197,000 | 348,000 |
| Income tax | 9,000 | 23,000 | 51,000 | 101,000 |
| Net income | 37,000 | 82,000 | 146,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,086,000 | 9,128,000 | 9,185,000 | 9,282,000 |
| Total capital | 9,484,000 | 9,525,000 | 9,589,000 | 9,704,000 |
| Risk-weighted assets | 36,579,000 | 37,540,000 | 37,826,000 | 37,781,000 |