Call reports 2015
CITIZENS STATE BANK — 2015
What CITIZENS 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 | 99,288,000 | 102,454,000 | 112,610,000 | 114,922,000 |
| Total loans | 89,870,000 | 91,736,000 | 98,705,000 | 101,242,000 |
| Allowance for loan losses | 1,173,000 | 1,220,000 | 1,288,000 | 1,334,000 |
| Securities available for sale | 2,962,000 | 2,659,000 | 2,614,000 | 2,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,744,000 | 90,826,000 | 102,351,000 | 102,186,000 |
| Interest-bearing deposits | 58,875,000 | 59,046,000 | 60,795,000 | 67,376,000 |
| Noninterest-bearing deposits | 28,869,000 | 31,780,000 | 41,556,000 | 34,810,000 |
| Equity capital | 9,720,000 | 9,922,000 | 10,009,000 | 10,148,000 |
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 | 1,338,000 | 2,754,000 | 4,175,000 | 5,626,000 |
| Interest expense | 52,000 | 107,000 | 162,000 | 221,000 |
| Net interest income | 1,286,000 | 2,647,000 | 4,013,000 | 5,405,000 |
| Noninterest income | 115,000 | 212,000 | 315,000 | 408,000 |
| Noninterest expense | 619,000 | 1,237,000 | 1,923,000 | 2,618,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 737,000 | 1,532,000 | 2,270,000 | 3,015,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 737,000 | 1,532,000 | 2,270,000 | 3,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,696,000 | 9,901,000 | 9,986,000 | 10,135,000 |
| Total capital | 10,720,000 | 10,922,000 | 11,071,000 | 11,278,000 |
| Risk-weighted assets | 81,817,000 | 81,555,000 | 86,662,000 | 91,256,000 |