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 | 18,175,000 | 16,994,000 | 17,506,000 | 17,308,000 |
| Total loans | 7,298,000 | 7,299,000 | 6,884,000 | 7,119,000 |
| Allowance for loan losses | 154,000 | 154,000 | 155,000 | 155,000 |
| Securities available for sale | 5,668,000 | 5,595,000 | 4,068,000 | 4,009,000 |
| Securities held to maturity | 1,476,000 | 1,422,000 | 1,355,000 | 1,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,154,000 | 14,068,000 | 14,523,000 | 14,360,000 |
| Interest-bearing deposits | 10,360,000 | 10,030,000 | 10,237,000 | 10,086,000 |
| Noninterest-bearing deposits | 4,794,000 | 4,038,000 | 4,286,000 | 4,275,000 |
| Equity capital | 3,002,000 | 2,893,000 | 2,954,000 | 2,922,000 |
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 | 148,000 | 291,000 | 452,000 | 590,000 |
| Interest expense | 16,000 | 30,000 | 45,000 | 60,000 |
| Net interest income | 132,000 | 261,000 | 407,000 | 530,000 |
| Noninterest income | 26,000 | 56,000 | 87,000 | 114,000 |
| Noninterest expense | 149,000 | 303,000 | 450,000 | 581,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,000 | 14,000 | 44,000 | 63,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 1,000 | 6,000 | 36,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,356,000 | 2,253,000 | 2,280,000 | 2,261,000 |
| Total capital | 2,455,000 | 2,352,000 | 2,368,000 | 2,350,000 |
| Risk-weighted assets | 7,890,000 | 7,872,000 | 7,063,000 | 7,089,000 |