Call reports 2016
CITY STATE BANK — 2016
What CITY 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 | 335,132,000 | 339,259,000 | 343,821,000 | 352,166,000 |
| Total loans | 247,834,000 | 240,702,000 | 256,461,000 | 258,285,000 |
| Allowance for loan losses | 2,543,000 | 2,620,000 | 2,646,000 | 2,717,000 |
| Securities available for sale | 39,052,000 | 36,252,000 | 39,014,000 | 46,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,527,000 | 296,117,000 | 299,734,000 | 309,354,000 |
| Interest-bearing deposits | 220,522,000 | 222,686,000 | 223,249,000 | 230,855,000 |
| Noninterest-bearing deposits | 72,005,000 | 73,431,000 | 76,485,000 | 78,499,000 |
| Equity capital | 28,820,000 | 29,447,000 | 30,140,000 | 29,703,000 |
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 | 2,879,000 | 5,735,000 | 8,655,000 | 11,691,000 |
| Interest expense | 346,000 | 704,000 | 1,072,000 | 1,449,000 |
| Net interest income | 2,533,000 | 5,031,000 | 7,583,000 | 10,242,000 |
| Noninterest income | 966,000 | 1,989,000 | 3,019,000 | 3,997,000 |
| Noninterest expense | 2,411,000 | 4,825,000 | 7,258,000 | 9,771,000 |
| Provision for loan losses | 50,000 | 125,000 | 150,000 | 187,000 |
| Pretax income | 1,038,000 | 2,070,000 | 3,194,000 | 4,281,000 |
| Income tax | 50,000 | 104,000 | 160,000 | 215,000 |
| Net income | 988,000 | 1,966,000 | 3,034,000 | 4,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,571,000 | 28,172,000 | 28,879,000 | 29,291,000 |
| Total capital | 30,114,000 | 30,792,000 | 31,525,000 | 32,008,000 |
| Risk-weighted assets | 251,695,000 | 245,231,000 | 260,501,000 | 263,506,000 |