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 | 112,390,000 | 115,787,000 | 115,938,000 | 121,531,000 |
| Total loans | 81,761,000 | 88,924,000 | 93,122,000 | 91,915,000 |
| Allowance for loan losses | 1,021,000 | 1,032,000 | 1,076,000 | 1,152,000 |
| Securities available for sale | 22,873,000 | 19,192,000 | 14,151,000 | 13,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,516,000 | 97,657,000 | 99,649,000 | 109,145,000 |
| Interest-bearing deposits | 76,084,000 | 78,434,000 | 82,020,000 | 89,427,000 |
| Noninterest-bearing deposits | 18,432,000 | 19,223,000 | 17,629,000 | 19,718,000 |
| Equity capital | 11,058,000 | 10,995,000 | 11,250,000 | 11,411,000 |
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 | 1,154,000 | 2,255,000 | 3,457,000 | 4,663,000 |
| Interest expense | 108,000 | 221,000 | 340,000 | 462,000 |
| Net interest income | 1,046,000 | 2,034,000 | 3,117,000 | 4,201,000 |
| Noninterest income | 104,000 | 222,000 | 346,000 | 472,000 |
| Noninterest expense | 776,000 | 1,664,000 | 2,497,000 | 3,449,000 |
| Provision for loan losses | 41,000 | 66,000 | 110,000 | 186,000 |
| Pretax income | 333,000 | 537,000 | 872,000 | 1,054,000 |
| Income tax | 85,000 | 112,000 | 201,000 | 232,000 |
| Net income | 248,000 | 425,000 | 671,000 | 822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,450,000 | 10,504,000 | 10,750,000 | 10,902,000 |
| Total capital | 11,470,000 | 11,536,000 | 11,826,000 | 11,986,000 |
| Risk-weighted assets | 87,071,000 | 88,200,000 | 87,884,000 | 86,629,000 |