Call reports 2014
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2014
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 16,723,000 | 15,924,000 | 15,465,000 | 15,943,000 |
| Total loans | 10,645,000 | 10,962,000 | 11,058,000 | 11,135,000 |
| Allowance for loan losses | 486,000 | 489,000 | 489,000 | 359,000 |
| Securities available for sale | 4,172,000 | 4,103,000 | 3,331,000 | 2,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,172,000 | 14,417,000 | 13,977,000 | 13,634,000 |
| Interest-bearing deposits | 12,997,000 | 12,184,000 | 11,928,000 | 11,386,000 |
| Noninterest-bearing deposits | 2,175,000 | 2,233,000 | 2,049,000 | 2,248,000 |
| Equity capital | 1,543,000 | 1,499,000 | 1,482,000 | 1,868,000 |
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 | 180,000 | 346,000 | 517,000 | 624,000 |
| Interest expense | 11,000 | 20,000 | 29,000 | 38,000 |
| Net interest income | 169,000 | 326,000 | 488,000 | 586,000 |
| Noninterest income | 13,000 | 23,000 | 18,000 | 43,000 |
| Noninterest expense | 196,000 | 369,000 | 506,000 | 746,000 |
| Provision for loan losses | 3,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | -17,000 | -26,000 | -6,000 | -149,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -17,000 | -26,000 | -6,000 | -149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,073,000 | 1,007,000 | 976,000 | 1,273,000 |
| Total capital | 1,220,000 | 1,148,000 | 1,123,000 | 1,409,000 |
| Risk-weighted assets | 11,772,000 | 10,861,000 | 11,466,000 | 11,024,000 |