Call reports 2015
COMMUNITY STATE BANK — 2015
What COMMUNITY STATE BANK 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 | 84,347,000 | 81,451,000 | 83,954,000 | 87,419,000 |
| Total loans | 55,074,000 | 58,276,000 | 60,286,000 | 62,713,000 |
| Allowance for loan losses | 1,635,000 | 1,730,000 | 1,801,000 | 1,836,000 |
| Securities available for sale | 14,309,000 | 13,764,000 | 13,774,000 | 13,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,729,000 | 68,627,000 | 71,208,000 | 72,651,000 |
| Interest-bearing deposits | 62,204,000 | 60,161,000 | 60,086,000 | 59,492,000 |
| Noninterest-bearing deposits | 10,526,000 | 8,466,000 | 11,122,000 | 13,159,000 |
| Equity capital | 11,391,000 | 11,694,000 | 12,011,000 | 12,373,000 |
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 | 911,000 | 1,846,000 | 2,823,000 | 3,829,000 |
| Interest expense | 108,000 | 216,000 | 326,000 | 436,000 |
| Net interest income | 803,000 | 1,630,000 | 2,497,000 | 3,393,000 |
| Noninterest income | 44,000 | 87,000 | 133,000 | 185,000 |
| Noninterest expense | 452,000 | 908,000 | 1,443,000 | 1,924,000 |
| Provision for loan losses | 60,000 | 150,000 | 240,000 | 270,000 |
| Pretax income | 335,000 | 659,000 | 947,000 | 1,384,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 335,000 | 659,000 | 947,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,331,000 | 11,656,000 | 11,944,000 | 12,381,000 |
| Total capital | 12,047,000 | 12,401,000 | 12,707,000 | 13,177,000 |
| Risk-weighted assets | 56,386,000 | 58,620,000 | 60,058,000 | 62,616,000 |