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 | 38,336,000 | 38,206,000 | 39,623,000 | 39,444,000 |
| Total loans | 29,990,000 | 30,936,000 | 32,179,000 | 32,342,000 |
| Allowance for loan losses | 272,000 | 272,000 | 278,000 | 362,000 |
| Securities available for sale | 2,514,000 | 2,136,000 | 1,946,000 | 1,941,000 |
| Securities held to maturity | 1,997,000 | 1,896,000 | 1,968,000 | 1,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,202,000 | 31,855,000 | 31,014,000 | 30,946,000 |
| Interest-bearing deposits | 24,714,000 | 24,530,000 | 24,070,000 | 24,673,000 |
| Noninterest-bearing deposits | 8,488,000 | 7,325,000 | 6,944,000 | 6,273,000 |
| Equity capital | 3,173,000 | 3,221,000 | 3,354,000 | 3,330,000 |
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 | 355,000 | 708,000 | 1,076,000 | 1,454,000 |
| Interest expense | 32,000 | 63,000 | 97,000 | 131,000 |
| Net interest income | 323,000 | 645,000 | 979,000 | 1,323,000 |
| Noninterest income | 32,000 | 61,000 | 113,000 | 200,000 |
| Noninterest expense | 295,000 | 576,000 | 848,000 | 1,183,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 120,000 |
| Pretax income | 40,000 | 110,000 | 224,000 | 220,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 6,000 |
| Net income | 39,000 | 108,000 | 221,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,137,000 | 3,206,000 | 3,320,000 | 3,312,000 |
| Total capital | 3,409,000 | 3,478,000 | 3,598,000 | 3,660,000 |
| Risk-weighted assets | 26,060,000 | 27,082,000 | 27,500,000 | 27,904,000 |