Call reports 2014
CENTRAL STATE BANK — 2014
What CENTRAL 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 | 200,829,000 | 200,018,000 | 213,874,000 | 205,702,000 |
| Total loans | 98,458,000 | 105,079,000 | 107,989,000 | 119,913,000 |
| Allowance for loan losses | 1,056,000 | 1,080,000 | 1,105,000 | 1,270,000 |
| Securities available for sale | 89,295,000 | 76,792,000 | 86,921,000 | 72,863,000 |
| Securities held to maturity | 4,602,000 | 5,735,000 | 5,221,000 | 4,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,480,000 | 158,032,000 | 172,090,000 | 162,614,000 |
| Interest-bearing deposits | 150,105,000 | 147,655,000 | 161,566,000 | 144,670,000 |
| Noninterest-bearing deposits | 11,375,000 | 10,377,000 | 10,524,000 | 17,944,000 |
| Equity capital | 22,472,000 | 23,782,000 | 24,681,000 | 25,095,000 |
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 | 1,897,000 | 3,845,000 | 5,932,000 | 8,159,000 |
| Interest expense | 459,000 | 944,000 | 1,439,000 | 1,918,000 |
| Net interest income | 1,438,000 | 2,901,000 | 4,493,000 | 6,241,000 |
| Noninterest income | 39,000 | 63,000 | 151,000 | 106,000 |
| Noninterest expense | 887,000 | 1,595,000 | 2,288,000 | 3,060,000 |
| Provision for loan losses | -172,000 | -162,000 | -132,000 | -8,000 |
| Pretax income | 792,000 | 1,580,000 | 2,559,000 | 3,437,000 |
| Income tax | 39,000 | 75,000 | 127,000 | 171,000 |
| Net income | 753,000 | 1,505,000 | 2,432,000 | 3,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,917,000 | 24,780,000 | 25,708,000 | 25,992,000 |
| Total capital | 25,973,000 | 25,860,000 | 26,813,000 | 27,262,000 |
| Risk-weighted assets | 152,393,000 | 153,779,000 | 160,843,000 | 166,130,000 |
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