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 | 232,309,000 | 231,081,000 | 229,762,000 | 233,844,000 |
| Total loans | 168,886,000 | 169,969,000 | 168,515,000 | 173,998,000 |
| Allowance for loan losses | 1,950,000 | 1,961,000 | 1,961,000 | 1,868,000 |
| Securities available for sale | 47,682,000 | 45,138,000 | 44,718,000 | 43,642,000 |
| Securities held to maturity | 1,455,000 | 355,000 | 772,000 | 642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,575,000 | 189,764,000 | 192,769,000 | 193,651,000 |
| Interest-bearing deposits | 173,611,000 | 168,760,000 | 163,805,000 | 165,607,000 |
| Noninterest-bearing deposits | 19,964,000 | 21,005,000 | 28,964,000 | 28,044,000 |
| Equity capital | 28,091,000 | 27,906,000 | 28,339,000 | 29,227,000 |
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 | 2,353,000 | 4,715,000 | 7,047,000 | 9,383,000 |
| Interest expense | 252,000 | 499,000 | 747,000 | 986,000 |
| Net interest income | 2,101,000 | 4,216,000 | 6,300,000 | 8,397,000 |
| Noninterest income | 264,000 | 593,000 | 956,000 | 1,175,000 |
| Noninterest expense | 1,443,000 | 2,888,000 | 4,372,000 | 5,787,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 892,000 | 1,876,000 | 2,864,000 | 3,765,000 |
| Income tax | 12,000 | 25,000 | 38,000 | 55,000 |
| Net income | 880,000 | 1,851,000 | 2,826,000 | 3,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,150,000 | 25,251,000 | 25,744,000 | 26,627,000 |
| Total capital | 27,100,000 | 27,212,000 | 27,705,000 | 28,495,000 |
| Risk-weighted assets | 174,310,000 | 174,981,000 | 176,814,000 | 182,828,000 |