Call reports 2015
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2015
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 167,946,000 | 174,196,000 | 170,245,000 | 177,173,000 |
| Total loans | 89,914,000 | 91,728,000 | 93,510,000 | 94,815,000 |
| Allowance for loan losses | 782,000 | 783,000 | 812,000 | 866,000 |
| Securities available for sale | 61,718,000 | 71,906,000 | 65,994,000 | 68,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,816,000 | 139,356,000 | 132,084,000 | 143,561,000 |
| Interest-bearing deposits | 109,422,000 | 112,526,000 | 104,152,000 | 113,443,000 |
| Noninterest-bearing deposits | 30,394,000 | 26,830,000 | 27,932,000 | 30,118,000 |
| Equity capital | 16,985,000 | 16,168,000 | 17,225,000 | 16,588,000 |
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 | 1,026,000 | 2,564,000 | 4,225,000 | 5,838,000 |
| Interest expense | 128,000 | 318,000 | 513,000 | 729,000 |
| Net interest income | 898,000 | 2,246,000 | 3,712,000 | 5,109,000 |
| Noninterest income | 242,000 | 518,000 | 876,000 | 1,163,000 |
| Noninterest expense | 883,000 | 2,028,000 | 3,188,000 | 4,347,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 100,000 |
| Pretax income | 341,000 | 864,000 | 1,491,000 | 1,997,000 |
| Income tax | 16,000 | 43,000 | 55,000 | 30,000 |
| Net income | 325,000 | 821,000 | 1,436,000 | 1,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,256,000 | 14,565,000 | 14,882,000 | 14,917,000 |
| Total capital | 15,038,000 | 15,348,000 | 15,826,000 | 15,783,000 |
| Risk-weighted assets | 98,815,000 | 101,087,000 | 103,013,000 | 106,050,000 |