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 | 58,692,000 | 57,712,000 | 58,454,000 | 58,682,000 |
| Total loans | 37,998,000 | 37,598,000 | 38,126,000 | 39,077,000 |
| Allowance for loan losses | 577,000 | 531,000 | 550,000 | 533,000 |
| Securities available for sale | 1,997,000 | 1,895,000 | 2,198,000 | 1,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,512,000 | 53,771,000 | 54,597,000 | 54,420,000 |
| Interest-bearing deposits | 42,748,000 | 42,483,000 | 42,618,000 | 41,390,000 |
| Noninterest-bearing deposits | 11,764,000 | 11,288,000 | 11,979,000 | 13,030,000 |
| Equity capital | 4,013,000 | 3,786,000 | 3,671,000 | 4,103,000 |
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 | 572,000 | 1,147,000 | 1,736,000 | 2,329,000 |
| Interest expense | 58,000 | 114,000 | 173,000 | 231,000 |
| Net interest income | 514,000 | 1,033,000 | 1,563,000 | 2,098,000 |
| Noninterest income | 16,000 | 9,000 | 84,000 | 120,000 |
| Noninterest expense | 674,000 | 1,489,000 | 2,244,000 | 3,018,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 190,000 |
| Pretax income | -204,000 | -567,000 | -756,000 | -989,000 |
| Income tax | -79,000 | -216,000 | -289,000 | -505,000 |
| Net income | -125,000 | -351,000 | -467,000 | -484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,414,000 | 3,204,000 | 3,082,000 | 3,859,000 |
| Total capital | 3,964,000 | 3,735,000 | 3,632,000 | 4,392,000 |
| Risk-weighted assets | 43,989,000 | 43,016,000 | 43,643,000 | 44,391,000 |