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 | 117,056,000 | 109,059,000 | 112,436,000 | 113,585,000 |
| Total loans | 53,794,000 | 51,063,000 | 50,391,000 | 51,490,000 |
| Allowance for loan losses | 672,000 | 664,000 | 664,000 | 664,000 |
| Securities available for sale | 38,296,000 | 41,886,000 | 39,891,000 | 40,681,000 |
| Securities held to maturity | 2,680,000 | 2,680,000 | 2,680,000 | 2,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,622,000 | 97,352,000 | 100,095,000 | 101,702,000 |
| Interest-bearing deposits | 83,732,000 | 76,027,000 | 78,384,000 | 76,741,000 |
| Noninterest-bearing deposits | 21,890,000 | 21,324,000 | 21,711,000 | 24,961,000 |
| Equity capital | 10,480,000 | 10,409,000 | 10,818,000 | 10,928,000 |
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 | 809,000 | 1,630,000 | 2,471,000 | 3,294,000 |
| Interest expense | 82,000 | 165,000 | 241,000 | 315,000 |
| Net interest income | 727,000 | 1,465,000 | 2,230,000 | 2,979,000 |
| Noninterest income | 176,000 | 345,000 | 519,000 | 689,000 |
| Noninterest expense | 590,000 | 1,190,000 | 1,798,000 | 2,378,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 313,000 | 620,000 | 951,000 | 1,290,000 |
| Income tax | 88,000 | 171,000 | 260,000 | 319,000 |
| Net income | 225,000 | 449,000 | 691,000 | 971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,376,000 | 10,601,000 | 10,727,000 | 10,892,000 |
| Total capital | 11,048,000 | 11,265,000 | 11,391,000 | 11,556,000 |
| Risk-weighted assets | 67,668,000 | 66,754,000 | 67,432,000 | 68,216,000 |