Call reports 2016
CITIZENS STATE BANK OF ROSEAU — 2016
What CITIZENS STATE BANK OF ROSEAU reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 208,995,000 | 208,856,000 | 205,976,000 | 199,650,000 |
| Total loans | 105,367,000 | 109,411,000 | 110,307,000 | 112,678,000 |
| Allowance for loan losses | 1,625,000 | 1,665,000 | 1,693,000 | 1,785,000 |
| Securities available for sale | 74,652,000 | 77,498,000 | 70,990,000 | 65,262,000 |
| Securities held to maturity | 15,000,000 | 17,783,000 | 17,777,000 | 18,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,942,000 | 180,746,000 | 173,904,000 | 169,997,000 |
| Interest-bearing deposits | 146,366,000 | 151,981,000 | 146,084,000 | 142,375,000 |
| Noninterest-bearing deposits | 35,576,000 | 28,765,000 | 27,820,000 | 27,622,000 |
| Equity capital | 25,723,000 | 26,560,000 | 26,571,000 | 24,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,782,000 | 3,575,000 | 5,344,000 | 7,083,000 |
| Interest expense | 161,000 | 320,000 | 481,000 | 642,000 |
| Net interest income | 1,621,000 | 3,255,000 | 4,863,000 | 6,441,000 |
| Noninterest income | 209,000 | 428,000 | 632,000 | 827,000 |
| Noninterest expense | 1,134,000 | 2,234,000 | 3,396,000 | 4,525,000 |
| Provision for loan losses | 32,000 | 64,000 | 96,000 | 457,000 |
| Pretax income | 761,000 | 1,484,000 | 2,169,000 | 2,472,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 760,000 | 1,483,000 | 2,167,000 | 2,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,825,000 | 24,948,000 | 25,332,000 | 25,335,000 |
| Total capital | 26,450,000 | 26,613,000 | 27,025,000 | 27,120,000 |
| Risk-weighted assets | 167,544,000 | 172,685,000 | 169,402,000 | 167,510,000 |