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 | 231,256,000 | 234,819,000 | 239,362,000 | 245,135,000 |
| Total loans | 79,965,000 | 82,331,000 | 85,652,000 | 89,896,000 |
| Allowance for loan losses | 904,000 | 920,000 | 954,000 | 1,008,000 |
| Securities available for sale | 135,124,000 | 134,856,000 | 138,283,000 | 143,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,165,000 | 208,804,000 | 212,155,000 | 217,916,000 |
| Interest-bearing deposits | 133,322,000 | 129,787,000 | 147,847,000 | 151,709,000 |
| Noninterest-bearing deposits | 71,843,000 | 79,017,000 | 64,308,000 | 66,207,000 |
| Equity capital | 24,457,000 | 23,940,000 | 25,363,000 | 24,785,000 |
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 | 1,846,000 | 3,727,000 | 5,658,000 | 7,645,000 |
| Interest expense | 168,000 | 334,000 | 501,000 | 677,000 |
| Net interest income | 1,678,000 | 3,393,000 | 5,157,000 | 6,968,000 |
| Noninterest income | 187,000 | 385,000 | 594,000 | 797,000 |
| Noninterest expense | 1,067,000 | 2,104,000 | 3,163,000 | 4,284,000 |
| Provision for loan losses | 18,000 | 36,000 | 74,000 | 132,000 |
| Pretax income | 875,000 | 1,787,000 | 2,683,000 | 3,518,000 |
| Income tax | 150,000 | 330,000 | 460,000 | 590,000 |
| Net income | 725,000 | 1,457,000 | 2,223,000 | 2,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,660,000 | 23,992,000 | 25,050,000 | 24,478,000 |
| Total capital | 24,564,000 | 24,912,000 | 26,004,000 | 25,486,000 |
| Risk-weighted assets | 101,185,000 | 103,160,000 | 104,529,000 | 107,631,000 |