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 | 144,259,000 | 150,383,000 | 156,144,000 | 157,033,000 |
| Total loans | 101,117,000 | 107,222,000 | 117,281,000 | 117,113,000 |
| Allowance for loan losses | 1,494,000 | 1,502,000 | 1,496,000 | 1,490,000 |
| Securities available for sale | 25,678,000 | 25,665,000 | 23,809,000 | 24,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,418,000 | 134,449,000 | 134,107,000 | 140,453,000 |
| Interest-bearing deposits | 99,128,000 | 104,603,000 | 105,915,000 | 109,439,000 |
| Noninterest-bearing deposits | 27,290,000 | 29,846,000 | 28,192,000 | 31,013,000 |
| Equity capital | 12,373,000 | 12,383,000 | 12,772,000 | 12,877,000 |
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 | 1,308,000 | 2,659,000 | 4,130,000 | 5,601,000 |
| Interest expense | 75,000 | 154,000 | 246,000 | 348,000 |
| Net interest income | 1,233,000 | 2,505,000 | 3,884,000 | 5,253,000 |
| Noninterest income | 67,000 | 293,000 | 494,000 | 657,000 |
| Noninterest expense | 1,208,000 | 2,420,000 | 3,604,000 | 4,823,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 233,000 | 520,000 | 918,000 | 1,231,000 |
| Income tax | 50,000 | 146,000 | 290,000 | 446,000 |
| Net income | 183,000 | 374,000 | 628,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,181,000 | 12,372,000 | 12,626,000 | 12,783,000 |
| Total capital | 13,416,000 | 13,695,000 | 14,031,000 | 14,194,000 |
| Risk-weighted assets | 98,544,000 | 105,690,000 | 112,306,000 | 112,825,000 |