Call reports 2015
CITIZENS STATE BANK OF LANKIN — 2015
What CITIZENS STATE BANK OF LANKIN 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 | 45,040,000 | 44,054,000 | 45,047,000 | 44,066,000 |
| Total loans | 28,645,000 | 30,577,000 | 31,144,000 | 29,443,000 |
| Allowance for loan losses | 320,000 | 321,000 | 321,000 | 321,000 |
| Securities available for sale | 8,761,000 | 8,782,000 | 8,538,000 | 8,172,000 |
| Securities held to maturity | 215,000 | 175,000 | 175,000 | 173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,858,000 | 37,349,000 | 36,164,000 | 38,505,000 |
| Interest-bearing deposits | 31,129,000 | 29,334,000 | 27,760,000 | 29,532,000 |
| Noninterest-bearing deposits | 7,729,000 | 8,015,000 | 8,405,000 | 8,973,000 |
| Equity capital | 4,103,000 | 4,165,000 | 4,336,000 | 4,517,000 |
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 | 473,000 | 973,000 | 1,485,000 | 2,019,000 |
| Interest expense | 33,000 | 66,000 | 103,000 | 138,000 |
| Net interest income | 440,000 | 907,000 | 1,382,000 | 1,881,000 |
| Noninterest income | 33,000 | 58,000 | 80,000 | 130,000 |
| Noninterest expense | 322,000 | 645,000 | 1,080,000 | 1,507,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 151,000 | 320,000 | 382,000 | 495,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 151,000 | 320,000 | 382,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,103,000 | 4,273,000 | 4,339,000 | 4,461,000 |
| Total capital | 4,423,000 | 4,594,000 | 4,660,000 | 4,782,000 |
| Risk-weighted assets | 33,652,000 | 34,008,000 | 35,099,000 | 34,294,000 |