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 | 191,106,000 | 188,461,000 | 188,742,000 | 195,831,000 |
| Total loans | 72,979,000 | 77,135,000 | 81,281,000 | 81,373,000 |
| Allowance for loan losses | 2,085,000 | 2,167,000 | 2,146,000 | 1,621,000 |
| Securities available for sale | 90,469,000 | 80,140,000 | 80,613,000 | 79,235,000 |
| Securities held to maturity | 4,908,000 | 4,679,000 | 4,369,000 | 4,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,566,000 | 167,211,000 | 167,219,000 | 173,908,000 |
| Interest-bearing deposits | 144,025,000 | 141,439,000 | 139,020,000 | 145,527,000 |
| Noninterest-bearing deposits | 25,541,000 | 25,772,000 | 28,199,000 | 28,381,000 |
| Equity capital | 21,270,000 | 20,905,000 | 21,185,000 | 21,375,000 |
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 | 1,524,000 | 3,048,000 | 4,647,000 | 6,254,000 |
| Interest expense | 67,000 | 134,000 | 201,000 | 267,000 |
| Net interest income | 1,457,000 | 2,914,000 | 4,446,000 | 5,987,000 |
| Noninterest income | 242,000 | 493,000 | 668,000 | 969,000 |
| Noninterest expense | 1,551,000 | 3,080,000 | 4,695,000 | 6,296,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | -330,000 |
| Pretax income | 74,000 | 177,000 | 269,000 | 994,000 |
| Income tax | 0 | 14,000 | 25,000 | 136,000 |
| Net income | 536,000 | 625,000 | 706,000 | 1,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,045,000 | 17,939,000 | 18,241,000 | 18,027,000 |
| Total capital | 19,285,000 | 19,091,000 | 19,432,000 | 19,225,000 |
| Risk-weighted assets | 98,337,000 | 90,943,000 | 94,106,000 | 94,954,000 |