Call reports 2016
CENTRAL STATE BANK — 2016
What CENTRAL STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 70,269,000 | 69,363,000 | 74,638,000 | 71,575,000 |
| Total loans | 39,080,000 | 39,119,000 | 39,942,000 | 40,438,000 |
| Allowance for loan losses | 419,000 | 438,000 | 443,000 | 440,000 |
| Securities available for sale | 10,809,000 | 12,619,000 | 12,105,000 | 10,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,455,000 | 59,133,000 | 64,176,000 | 60,830,000 |
| Interest-bearing deposits | 41,373,000 | 40,909,000 | 44,886,000 | 41,723,000 |
| Noninterest-bearing deposits | 19,082,000 | 18,224,000 | 19,290,000 | 19,107,000 |
| Equity capital | 9,382,000 | 9,479,000 | 9,596,000 | 9,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 537,000 | 1,106,000 | 1,684,000 | 2,222,000 |
| Interest expense | 22,000 | 42,000 | 63,000 | 83,000 |
| Net interest income | 515,000 | 1,064,000 | 1,621,000 | 2,139,000 |
| Noninterest income | 200,000 | 471,000 | 761,000 | 1,056,000 |
| Noninterest expense | 648,000 | 1,344,000 | 2,040,000 | 2,755,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 67,000 | 181,000 | 332,000 | 430,000 |
| Income tax | 19,000 | 53,000 | 102,000 | 135,000 |
| Net income | 48,000 | 128,000 | 230,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,330,000 | 9,432,000 | 9,565,000 | 9,623,000 |
| Total capital | 9,750,000 | 9,870,000 | 10,008,000 | 10,063,000 |
| Risk-weighted assets | 37,712,000 | 38,768,000 | 39,318,000 | 39,269,000 |