Call reports 2015
COMMUNITY STATE BANK, THE — 2015
What COMMUNITY STATE BANK, THE 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 | 235,481,000 | 225,829,000 | 227,083,000 | 225,452,000 |
| Total loans | 167,089,000 | 165,645,000 | 170,542,000 | 173,809,000 |
| Allowance for loan losses | 1,692,000 | 1,719,000 | 1,826,000 | 1,757,000 |
| Securities available for sale | 36,637,000 | 39,303,000 | 38,408,000 | 34,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,112,000 | 194,654,000 | 195,326,000 | 190,443,000 |
| Interest-bearing deposits | 158,601,000 | 148,899,000 | 150,278,000 | 144,213,000 |
| Noninterest-bearing deposits | 45,511,000 | 45,755,000 | 45,048,000 | 46,230,000 |
| Equity capital | 20,941,000 | 20,632,000 | 21,152,000 | 21,769,000 |
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 | 2,634,000 | 5,305,000 | 8,093,000 | 10,935,000 |
| Interest expense | 238,000 | 472,000 | 702,000 | 932,000 |
| Net interest income | 2,396,000 | 4,833,000 | 7,391,000 | 10,003,000 |
| Noninterest income | 562,000 | 1,065,000 | 1,576,000 | 2,253,000 |
| Noninterest expense | 2,215,000 | 4,428,000 | 6,599,000 | 9,028,000 |
| Provision for loan losses | 144,000 | 240,000 | 355,000 | 526,000 |
| Pretax income | 628,000 | 1,253,000 | 2,015,000 | 2,745,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 628,000 | 1,253,000 | 2,015,000 | 2,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,357,000 | 20,579,000 | 20,835,000 | 21,091,000 |
| Total capital | 22,049,000 | 22,298,000 | 22,661,000 | 22,848,000 |
| Risk-weighted assets | 173,151,000 | 171,364,000 | 173,147,000 | 173,287,000 |