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 | 17,086,000 | 18,788,000 | 18,821,000 | 17,435,000 |
| Total loans | 14,574,000 | 16,154,000 | 16,266,000 | 13,808,000 |
| Allowance for loan losses | 92,000 | 96,000 | 99,000 | 103,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,000 | 30,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,171,000 | 14,126,000 | 14,895,000 | 14,463,000 |
| Interest-bearing deposits | 12,547,000 | 12,681,000 | 12,547,000 | 12,866,000 |
| Noninterest-bearing deposits | 1,624,000 | 1,445,000 | 2,348,000 | 1,597,000 |
| Equity capital | 1,509,000 | 1,548,000 | 1,601,000 | 1,592,000 |
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 | 209,000 | 438,000 | 679,000 | 904,000 |
| Interest expense | 25,000 | 51,000 | 80,000 | 107,000 |
| Net interest income | 184,000 | 387,000 | 599,000 | 797,000 |
| Noninterest income | 16,000 | 36,000 | 58,000 | 78,000 |
| Noninterest expense | 148,000 | 317,000 | 483,000 | 692,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 49,000 | 100,000 | 165,000 | 171,000 |
| Income tax | 13,000 | 26,000 | 38,000 | 53,000 |
| Net income | 36,000 | 74,000 | 127,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,509,000 | 1,548,000 | 1,600,000 | 1,592,000 |
| Total capital | 1,601,000 | 1,644,000 | 1,699,000 | 1,695,000 |
| Risk-weighted assets | 10,577,000 | 11,417,000 | 11,727,000 | 10,282,000 |