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 | 17,025,000 | 16,118,000 | 16,687,000 | 16,381,000 |
| Total loans | 11,384,000 | 11,909,000 | 12,904,000 | 13,330,000 |
| Allowance for loan losses | 381,000 | 381,000 | 383,000 | 384,000 |
| Securities available for sale | 1,615,000 | 1,702,000 | 1,695,000 | 1,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,021,000 | 12,067,000 | 11,887,000 | 11,835,000 |
| Interest-bearing deposits | 10,418,000 | 9,675,000 | 9,748,000 | 9,439,000 |
| Noninterest-bearing deposits | 2,604,000 | 2,392,000 | 2,139,000 | 2,396,000 |
| Equity capital | 1,572,000 | 1,588,000 | 1,627,000 | 1,566,000 |
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 | 130,000 | 247,000 | 412,000 | 548,000 |
| Interest expense | 11,000 | 22,000 | 48,000 | 69,000 |
| Net interest income | 119,000 | 225,000 | 364,000 | 479,000 |
| Noninterest income | 15,000 | 21,000 | 31,000 | 25,000 |
| Noninterest expense | 112,000 | 215,000 | 319,000 | 464,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 22,000 | 31,000 | 76,000 | 40,000 |
| Income tax | -8,000 | -10,000 | -5,000 | 19,000 |
| Net income | 30,000 | 41,000 | 81,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,571,000 | 1,588,000 | 1,628,000 | 1,565,000 |
| Total capital | 1,723,000 | 1,746,000 | 1,788,000 | 1,730,000 |
| Risk-weighted assets | 11,899,000 | 12,389,000 | 12,653,000 | 13,058,000 |