Call reports 2016
COMMUNITY STATE BANK — 2016
What COMMUNITY STATE BANK 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 | 119,191,000 | 120,505,000 | 122,317,000 | 124,615,000 |
| Total loans | 91,884,000 | 96,453,000 | 101,745,000 | 95,847,000 |
| Allowance for loan losses | 1,200,000 | 1,667,000 | 1,768,000 | 1,813,000 |
| Securities available for sale | 13,870,000 | 13,560,000 | 12,850,000 | 13,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,442,000 | 108,012,000 | 104,609,000 | 112,138,000 |
| Interest-bearing deposits | 88,812,000 | 91,229,000 | 88,242,000 | 94,319,000 |
| Noninterest-bearing deposits | 17,630,000 | 16,783,000 | 16,367,000 | 17,819,000 |
| Equity capital | 11,710,000 | 11,572,000 | 11,728,000 | 11,587,000 |
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 | 1,179,000 | 2,396,000 | 3,685,000 | 4,962,000 |
| Interest expense | 120,000 | 242,000 | 369,000 | 499,000 |
| Net interest income | 1,059,000 | 2,154,000 | 3,316,000 | 4,463,000 |
| Noninterest income | 117,000 | 244,000 | 378,000 | 509,000 |
| Noninterest expense | 790,000 | 1,661,000 | 2,636,000 | 3,642,000 |
| Provision for loan losses | 49,000 | 541,000 | 641,000 | 695,000 |
| Pretax income | 337,000 | 196,000 | 433,000 | 651,000 |
| Income tax | 90,000 | -5,000 | 45,000 | 90,000 |
| Net income | 247,000 | 201,000 | 388,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,149,000 | 10,981,000 | 11,167,000 | 11,218,000 |
| Total capital | 12,236,000 | 12,136,000 | 12,387,000 | 12,348,000 |
| Risk-weighted assets | 86,868,000 | 91,906,000 | 97,042,000 | 89,772,000 |