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 | 63,809,000 | 63,731,000 | 62,378,000 | 60,795,000 |
| Total loans | 42,340,000 | 44,773,000 | 42,793,000 | 42,912,000 |
| Allowance for loan losses | 489,000 | 448,000 | 486,000 | 1,743,000 |
| Securities available for sale | 13,054,000 | 12,735,000 | 12,282,000 | 11,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,978,000 | 54,755,000 | 55,226,000 | 54,025,000 |
| Interest-bearing deposits | 46,653,000 | 47,433,000 | 47,889,000 | 46,530,000 |
| Noninterest-bearing deposits | 8,325,000 | 7,322,000 | 7,337,000 | 7,495,000 |
| Equity capital | 8,317,000 | 8,417,000 | 6,616,000 | 5,756,000 |
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 | 689,000 | 1,422,000 | 2,116,000 | 2,487,000 |
| Interest expense | 102,000 | 217,000 | 339,000 | 463,000 |
| Net interest income | 587,000 | 1,205,000 | 1,777,000 | 2,024,000 |
| Noninterest income | 41,000 | 85,000 | 144,000 | 180,000 |
| Noninterest expense | 318,000 | 639,000 | 4,233,000 | 4,620,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 1,340,000 |
| Pretax income | 280,000 | 591,000 | -2,402,000 | -3,756,000 |
| Income tax | 107,000 | 243,000 | -926,000 | -1,401,000 |
| Net income | 173,000 | 348,000 | -1,476,000 | -2,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,450,000 | 8,628,000 | 6,803,000 | 5,925,000 |
| Total capital | 8,939,000 | 9,076,000 | 7,289,000 | 6,505,000 |
| Risk-weighted assets | 40,229,000 | 44,563,000 | 42,994,000 | 45,256,000 |