Call reports 2015
CITIZENS STATE BANK — 2015
What CITIZENS 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 | 96,779,000 | 94,309,000 | 95,535,000 | 97,312,000 |
| Total loans | 52,041,000 | 55,575,000 | 55,210,000 | 50,304,000 |
| Allowance for loan losses | 776,000 | 775,000 | 773,000 | 781,000 |
| Securities available for sale | 35,813,000 | 28,545,000 | 32,753,000 | 34,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,800,000 | 67,038,000 | 68,600,000 | 71,514,000 |
| Interest-bearing deposits | 58,393,000 | 56,882,000 | 58,776,000 | 59,832,000 |
| Noninterest-bearing deposits | 11,407,000 | 10,156,000 | 9,824,000 | 11,681,000 |
| Equity capital | 21,800,000 | 21,541,000 | 22,031,000 | 21,514,000 |
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 | 990,000 | 2,010,000 | 3,037,000 | 4,031,000 |
| Interest expense | 119,000 | 238,000 | 361,000 | 495,000 |
| Net interest income | 871,000 | 1,772,000 | 2,676,000 | 3,536,000 |
| Noninterest income | 64,000 | 128,000 | 191,000 | 261,000 |
| Noninterest expense | 506,000 | 987,000 | 1,529,000 | 2,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 410,000 | 924,000 | 1,349,000 | 1,674,000 |
| Income tax | 21,000 | 46,000 | 67,000 | 78,000 |
| Net income | 389,000 | 878,000 | 1,282,000 | 1,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,059,000 | 20,300,000 | 20,581,000 | 20,278,000 |
| Total capital | 20,823,000 | 21,075,000 | 21,354,000 | 21,031,000 |
| Risk-weighted assets | 61,146,000 | 63,637,000 | 63,876,000 | 60,212,000 |