Call reports 2016
CITIZENS STATE BANK OF LANKIN — 2016
What CITIZENS STATE BANK OF LANKIN 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 | 43,119,000 | 42,341,000 | 40,292,000 | 42,163,000 |
| Total loans | 25,829,000 | 27,250,000 | 25,769,000 | 23,465,000 |
| Allowance for loan losses | 313,000 | 702,000 | 536,000 | 536,000 |
| Securities available for sale | 8,395,000 | 8,763,000 | 8,561,000 | 8,561,000 |
| Securities held to maturity | 173,000 | 133,000 | 133,000 | 131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,628,000 | 38,142,000 | 35,878,000 | 37,954,000 |
| Interest-bearing deposits | 30,006,000 | 28,875,000 | 27,772,000 | 28,778,000 |
| Noninterest-bearing deposits | 8,623,000 | 9,267,000 | 8,106,000 | 9,176,000 |
| Equity capital | 4,395,000 | 4,122,000 | 4,337,000 | 4,139,000 |
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 | 475,000 | 927,000 | 1,395,000 | 1,809,000 |
| Interest expense | 32,000 | 66,000 | 99,000 | 131,000 |
| Net interest income | 443,000 | 861,000 | 1,296,000 | 1,678,000 |
| Noninterest income | 28,000 | 52,000 | 81,000 | 103,000 |
| Noninterest expense | 377,000 | 777,000 | 1,168,000 | 1,538,000 |
| Provision for loan losses | 16,000 | 405,000 | 237,000 | 237,000 |
| Pretax income | 78,000 | -269,000 | -28,000 | 2,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 74,000 | -273,000 | -32,000 | -2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,235,000 | 3,887,000 | 4,129,000 | 4,158,000 |
| Total capital | 4,548,000 | 4,285,000 | 4,507,000 | 4,524,000 |
| Risk-weighted assets | 31,550,000 | 31,517,000 | 30,044,000 | 29,124,000 |