Call reports 2015
CITIZENS STATE BANK OF NEW CASTLE — 2015
What CITIZENS STATE BANK OF NEW CASTLE 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 | 451,801,000 | 469,447,000 | 469,579,000 | 493,632,000 |
| Total loans | 272,063,000 | 286,912,000 | 297,548,000 | 305,604,000 |
| Allowance for loan losses | 3,916,000 | 4,038,000 | 4,054,000 | 3,979,000 |
| Securities available for sale | 110,390,000 | 104,395,000 | 103,931,000 | 104,292,000 |
| Securities held to maturity | 15,320,000 | 16,229,000 | 16,544,000 | 18,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,463,000 | 425,347,000 | 424,462,000 | 448,560,000 |
| Interest-bearing deposits | 391,628,000 | 409,426,000 | 408,296,000 | 431,868,000 |
| Noninterest-bearing deposits | 15,835,000 | 15,921,000 | 16,166,000 | 16,692,000 |
| Equity capital | 40,646,000 | 40,797,000 | 41,605,000 | 41,717,000 |
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 | 4,086,000 | 8,340,000 | 12,750,000 | 17,174,000 |
| Interest expense | 193,000 | 386,000 | 592,000 | 806,000 |
| Net interest income | 3,893,000 | 7,954,000 | 12,158,000 | 16,368,000 |
| Noninterest income | 993,000 | 2,064,000 | 3,184,000 | 4,249,000 |
| Noninterest expense | 3,727,000 | 7,526,000 | 11,428,000 | 15,128,000 |
| Provision for loan losses | 125,000 | 251,000 | 404,000 | 550,000 |
| Pretax income | 1,034,000 | 2,241,000 | 3,558,000 | 4,984,000 |
| Income tax | 356,000 | 736,000 | 1,084,000 | 1,564,000 |
| Net income | 678,000 | 1,505,000 | 2,474,000 | 3,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,437,000 | 40,942,000 | 41,588,000 | 42,211,000 |
| Total capital | 43,649,000 | 44,171,000 | 44,871,000 | 45,612,000 |
| Risk-weighted assets | 256,235,000 | 257,520,000 | 261,871,000 | 271,475,000 |