Call reports 2015
COMMUNITY STATE BANK — 2015
What COMMUNITY 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 | 53,013,000 | 50,324,000 | 49,478,000 | 50,595,000 |
| Total loans | 23,690,000 | 24,598,000 | 25,009,000 | 25,017,000 |
| Allowance for loan losses | 351,000 | 350,000 | 344,000 | 350,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,269,000 | 6,417,000 | 6,665,000 | 7,352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,149,000 | 46,393,000 | 45,496,000 | 46,632,000 |
| Interest-bearing deposits | 30,760,000 | 30,082,000 | 29,891,000 | 30,042,000 |
| Noninterest-bearing deposits | 18,389,000 | 16,311,000 | 15,605,000 | 16,590,000 |
| Equity capital | 3,840,000 | 3,888,000 | 3,917,000 | 3,962,000 |
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 | 496,000 | 1,005,000 | 1,525,000 | 2,050,000 |
| Interest expense | 9,000 | 18,000 | 27,000 | 35,000 |
| Net interest income | 487,000 | 987,000 | 1,498,000 | 2,015,000 |
| Noninterest income | 147,000 | 323,000 | 465,000 | 598,000 |
| Noninterest expense | 481,000 | 983,000 | 1,487,000 | 1,976,000 |
| Provision for loan losses | 15,000 | 55,000 | 88,000 | 118,000 |
| Pretax income | 138,000 | 272,000 | 388,000 | 519,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 272,000 | 388,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,840,000 | 3,888,000 | 3,917,000 | 3,962,000 |
| Total capital | 4,159,000 | 4,215,000 | 4,246,000 | 4,299,000 |
| Risk-weighted assets | 25,510,000 | 26,189,000 | 26,362,000 | 27,005,000 |