Call reports 2014
CITIZENS STATE BANK, THE — 2014
What CITIZENS STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 177,615,000 | 179,423,000 | 176,643,000 | 181,100,000 |
| Total loans | 116,811,000 | 123,381,000 | 115,419,000 | 120,149,000 |
| Allowance for loan losses | 987,000 | 990,000 | 1,017,000 | 1,024,000 |
| Securities available for sale | 39,662,000 | 40,657,000 | 37,725,000 | 37,517,000 |
| Securities held to maturity | 49,000 | 45,000 | 42,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,999,000 | 159,874,000 | 162,039,000 | 166,551,000 |
| Interest-bearing deposits | 115,617,000 | 112,852,000 | 112,853,000 | 120,006,000 |
| Noninterest-bearing deposits | 47,383,000 | 47,023,000 | 49,186,000 | 46,544,000 |
| Equity capital | 14,106,000 | 14,051,000 | 14,066,000 | 14,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,709,000 | 3,459,000 | 5,241,000 | 6,918,000 |
| Interest expense | 98,000 | 191,000 | 290,000 | 385,000 |
| Net interest income | 1,611,000 | 3,268,000 | 4,951,000 | 6,533,000 |
| Noninterest income | 185,000 | 344,000 | 526,000 | 708,000 |
| Noninterest expense | 1,316,000 | 2,698,000 | 3,919,000 | 5,582,000 |
| Provision for loan losses | 0 | 40,000 | 70,000 | 70,000 |
| Pretax income | 480,000 | 874,000 | 1,545,000 | 1,646,000 |
| Income tax | 159,000 | 286,000 | 515,000 | 536,000 |
| Net income | 321,000 | 588,000 | 1,030,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,319,000 | 13,284,000 | 13,499,000 | 13,353,000 |
| Total capital | 14,306,000 | 14,274,000 | 14,516,000 | 14,377,000 |
| Risk-weighted assets | 119,154,000 | 124,301,000 | 116,184,000 | 123,051,000 |