Call reports 2015
CITIZENS STATE BANK AT MOHALL, THE — 2015
What CITIZENS STATE BANK AT MOHALL, 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 | 64,418,000 | 65,920,000 | 66,474,000 | 66,409,000 |
| Total loans | 45,795,000 | 48,485,000 | 50,111,000 | 48,635,000 |
| Allowance for loan losses | 288,000 | 313,000 | 363,000 | 363,000 |
| Securities available for sale | 13,814,000 | 13,779,000 | 14,286,000 | 13,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,921,000 | 55,449,000 | 54,250,000 | 54,223,000 |
| Interest-bearing deposits | 45,316,000 | 43,001,000 | 42,264,000 | 42,689,000 |
| Noninterest-bearing deposits | 11,605,000 | 12,448,000 | 11,986,000 | 11,534,000 |
| Equity capital | 5,846,000 | 5,844,000 | 5,911,000 | 5,871,000 |
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 | 587,000 | 1,171,000 | 1,792,000 | 2,417,000 |
| Interest expense | 50,000 | 103,000 | 159,000 | 218,000 |
| Net interest income | 537,000 | 1,068,000 | 1,633,000 | 2,199,000 |
| Noninterest income | 30,000 | 63,000 | 98,000 | 126,000 |
| Noninterest expense | 331,000 | 654,000 | 1,124,000 | 1,571,000 |
| Provision for loan losses | 25,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 211,000 | 387,000 | 517,000 | 664,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 387,000 | 517,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,807,000 | 5,838,000 | 5,869,000 | 5,918,000 |
| Total capital | 6,095,000 | 6,151,000 | 6,232,000 | 6,281,000 |
| Risk-weighted assets | 47,140,000 | 49,581,000 | 51,152,000 | 49,465,000 |