Call reports 2014
CITIZENS STATE BANK — 2014
What CITIZENS STATE BANK 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 | 116,031,000 | 114,701,000 | 113,856,000 | 117,809,000 |
| Total loans | 76,850,000 | 77,639,000 | 77,742,000 | 84,012,000 |
| Allowance for loan losses | 1,013,000 | 1,031,000 | 1,049,000 | 1,067,000 |
| Securities available for sale | 10,547,000 | 9,636,000 | 9,093,000 | 8,790,000 |
| Securities held to maturity | 15,046,000 | 14,337,000 | 15,502,000 | 15,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,809,000 | 100,269,000 | 99,148,000 | 99,113,000 |
| Interest-bearing deposits | 80,886,000 | 80,075,000 | 78,794,000 | 76,938,000 |
| Noninterest-bearing deposits | 20,923,000 | 20,194,000 | 20,354,000 | 22,175,000 |
| Equity capital | 13,757,000 | 13,939,000 | 14,175,000 | 14,536,000 |
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 | 1,038,000 | 2,069,000 | 3,113,000 | 4,190,000 |
| Interest expense | 98,000 | 192,000 | 287,000 | 380,000 |
| Net interest income | 940,000 | 1,877,000 | 2,826,000 | 3,810,000 |
| Noninterest income | 82,000 | 166,000 | 260,000 | 403,000 |
| Noninterest expense | 604,000 | 1,212,000 | 1,810,000 | 2,417,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 410,000 | 805,000 | 1,232,000 | 1,734,000 |
| Income tax | 21,000 | 40,000 | 62,000 | 83,000 |
| Net income | 389,000 | 765,000 | 1,170,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,185,000 | 12,321,000 | 12,606,000 | 12,967,000 |
| Total capital | 13,173,000 | 13,320,000 | 13,594,000 | 14,019,000 |
| Risk-weighted assets | 80,004,000 | 79,852,000 | 78,937,000 | 84,159,000 |
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