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 | 153,514,000 | 156,710,000 | 147,571,000 | 164,617,000 |
| Total loans | 96,383,000 | 106,896,000 | 96,203,000 | 110,532,000 |
| Allowance for loan losses | 996,000 | 1,071,000 | 1,110,000 | 1,141,000 |
| Securities available for sale | 47,890,000 | 40,976,000 | 42,841,000 | 44,859,000 |
| Securities held to maturity | 381,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,090,000 | 128,916,000 | 129,545,000 | 130,638,000 |
| Interest-bearing deposits | 101,427,000 | 98,080,000 | 100,318,000 | 100,744,000 |
| Noninterest-bearing deposits | 29,664,000 | 30,836,000 | 29,227,000 | 29,895,000 |
| Equity capital | 12,287,000 | 12,161,000 | 12,332,000 | 12,381,000 |
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 | 1,535,000 | 3,164,000 | 4,820,000 | 6,485,000 |
| Interest expense | 102,000 | 207,000 | 313,000 | 421,000 |
| Net interest income | 1,433,000 | 2,957,000 | 4,507,000 | 6,064,000 |
| Noninterest income | 268,000 | 549,000 | 853,000 | 1,150,000 |
| Noninterest expense | 1,366,000 | 2,737,000 | 4,100,000 | 5,545,000 |
| Provision for loan losses | 72,000 | 144,000 | 187,000 | 226,000 |
| Pretax income | 299,000 | 687,000 | 1,135,000 | 1,539,000 |
| Income tax | 77,000 | 188,000 | 320,000 | 439,000 |
| Net income | 222,000 | 499,000 | 815,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,102,000 | 12,303,000 | 12,444,000 | 12,625,000 |
| Total capital | 13,098,000 | 13,374,000 | 13,554,000 | 13,766,000 |
| Risk-weighted assets | 94,470,000 | 95,553,000 | 92,869,000 | 102,490,000 |