Call reports 2016
COMMUNITY STATE BANK — 2016
What COMMUNITY 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 | 595,367,000 | 570,785,000 | 580,867,000 | 600,379,000 |
| Total loans | 421,396,000 | 433,407,000 | 419,733,000 | 429,512,000 |
| Allowance for loan losses | 7,986,000 | 8,017,000 | 273,000 | 1,470,000 |
| Securities available for sale | 110,085,000 | 106,862,000 | 72,591,000 | 77,883,000 |
| Securities held to maturity | 0 | 0 | 17,573,000 | 19,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,756,000 | 481,406,000 | 481,256,000 | 513,588,000 |
| Interest-bearing deposits | 363,203,000 | 363,629,000 | 361,335,000 | 380,223,000 |
| Noninterest-bearing deposits | 119,553,000 | 117,777,000 | 119,921,000 | 133,365,000 |
| Equity capital | 64,567,000 | 66,515,000 | 80,201,000 | 79,383,000 |
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 | 5,527,000 | 11,176,000 | 2,275,000 | 9,982,000 |
| Interest expense | 677,000 | 1,215,000 | 83,000 | -23,000 |
| Net interest income | 4,850,000 | 9,961,000 | 2,192,000 | 10,005,000 |
| Noninterest income | 1,384,000 | 2,833,000 | 456,000 | 1,677,000 |
| Noninterest expense | 4,514,000 | 8,850,000 | 2,136,000 | 7,059,000 |
| Provision for loan losses | 0 | 0 | 270,000 | 1,460,000 |
| Pretax income | 1,720,000 | 3,944,000 | 242,000 | 3,116,000 |
| Income tax | 529,000 | 1,196,000 | 56,000 | 990,000 |
| Net income | 1,191,000 | 2,748,000 | 186,000 | 2,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,521,000 | 60,083,000 | 66,735,000 | 66,746,000 |
| Total capital | 64,461,000 | 66,119,000 | 67,008,000 | 68,216,000 |
| Risk-weighted assets | 472,909,000 | 480,712,000 | 475,720,000 | 494,020,000 |