Call reports 2016
CITIZENS STATE BANK OF NEW CASTLE — 2016
What CITIZENS STATE BANK OF NEW CASTLE 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 | 487,163,000 | 490,635,000 | 488,201,000 | 500,923,000 |
| Total loans | 305,045,000 | 316,714,000 | 327,129,000 | 331,251,000 |
| Allowance for loan losses | 3,902,000 | 3,918,000 | 4,018,000 | 4,016,000 |
| Securities available for sale | 107,278,000 | 104,093,000 | 100,993,000 | 106,223,000 |
| Securities held to maturity | 19,478,000 | 19,266,000 | 14,948,000 | 13,436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,898,000 | 443,893,000 | 440,244,000 | 452,931,000 |
| Interest-bearing deposits | 423,649,000 | 381,348,000 | 375,094,000 | 435,141,000 |
| Noninterest-bearing deposits | 17,249,000 | 62,545,000 | 65,150,000 | 17,790,000 |
| Equity capital | 42,702,000 | 43,365,000 | 45,360,000 | 45,569,000 |
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 | 4,388,000 | 8,904,000 | 13,417,000 | 17,989,000 |
| Interest expense | 216,000 | 435,000 | 635,000 | 836,000 |
| Net interest income | 4,172,000 | 8,469,000 | 12,782,000 | 17,153,000 |
| Noninterest income | 1,030,000 | 2,099,000 | 4,641,000 | 7,094,000 |
| Noninterest expense | 3,806,000 | 7,786,000 | 11,658,000 | 16,616,000 |
| Provision for loan losses | 180,000 | 370,000 | 672,000 | 881,000 |
| Pretax income | 1,284,000 | 2,480,000 | 5,161,000 | 6,750,000 |
| Income tax | 465,000 | 929,000 | 1,371,000 | 2,027,000 |
| Net income | 819,000 | 1,551,000 | 3,790,000 | 4,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,708,000 | 43,117,000 | 45,034,000 | 46,876,000 |
| Total capital | 46,099,000 | 46,550,000 | 48,449,000 | 50,467,000 |
| Risk-weighted assets | 270,792,000 | 274,186,000 | 272,586,000 | 286,889,000 |