Call reports 2015
CITIZENS STATE BANK OF ROSEAU — 2015
What CITIZENS STATE BANK OF ROSEAU 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 | 208,590,000 | 206,861,000 | 208,524,000 | 210,256,000 |
| Total loans | 95,863,000 | 98,239,000 | 102,693,000 | 106,545,000 |
| Allowance for loan losses | 1,542,000 | 1,573,000 | 1,567,000 | 1,600,000 |
| Securities available for sale | 88,621,000 | 87,438,000 | 84,771,000 | 77,925,000 |
| Securities held to maturity | 11,289,000 | 13,816,000 | 14,574,000 | 14,406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,336,000 | 178,141,000 | 175,418,000 | 180,647,000 |
| Interest-bearing deposits | 145,435,000 | 146,483,000 | 142,699,000 | 147,480,000 |
| Noninterest-bearing deposits | 33,901,000 | 31,658,000 | 32,719,000 | 33,167,000 |
| Equity capital | 27,493,000 | 26,924,000 | 28,129,000 | 25,285,000 |
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 | 1,711,000 | 3,480,000 | 5,275,000 | 7,093,000 |
| Interest expense | 157,000 | 322,000 | 486,000 | 651,000 |
| Net interest income | 1,554,000 | 3,158,000 | 4,789,000 | 6,442,000 |
| Noninterest income | 223,000 | 422,000 | 676,000 | 921,000 |
| Noninterest expense | 1,142,000 | 2,232,000 | 3,397,000 | 4,560,000 |
| Provision for loan losses | 32,000 | 63,000 | 96,000 | 128,000 |
| Pretax income | 603,000 | 1,354,000 | 2,041,000 | 2,763,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 602,000 | 1,353,000 | 2,039,000 | 2,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,202,000 | 26,432,000 | 26,844,000 | 24,566,000 |
| Total capital | 27,744,000 | 28,005,000 | 28,411,000 | 26,166,000 |
| Risk-weighted assets | 154,617,000 | 162,844,000 | 163,544,000 | 162,050,000 |