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 | 87,095,000 | 85,244,000 | 82,769,000 | 83,889,000 |
| Total loans | 27,521,000 | 27,109,000 | 25,414,000 | 24,807,000 |
| Allowance for loan losses | 598,000 | 601,000 | 579,000 | 565,000 |
| Securities available for sale | 51,244,000 | 49,948,000 | 49,101,000 | 50,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,035,000 | 61,573,000 | 60,401,000 | 58,876,000 |
| Interest-bearing deposits | 55,840,000 | 56,536,000 | 54,372,000 | 53,626,000 |
| Noninterest-bearing deposits | 5,196,000 | 5,037,000 | 6,028,000 | 5,250,000 |
| Equity capital | 16,290,000 | 16,502,000 | 16,634,000 | 16,747,000 |
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 | 697,000 | 1,399,000 | 2,092,000 | 2,783,000 |
| Interest expense | 121,000 | 234,000 | 343,000 | 446,000 |
| Net interest income | 576,000 | 1,165,000 | 1,749,000 | 2,337,000 |
| Noninterest income | 83,000 | 158,000 | 263,000 | 491,000 |
| Noninterest expense | 433,000 | 877,000 | 1,388,000 | 1,846,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 125,000 |
| Pretax income | 222,000 | 430,000 | 593,000 | 905,000 |
| Income tax | 34,000 | 54,000 | 69,000 | 112,000 |
| Net income | 188,000 | 376,000 | 524,000 | 793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,620,000 | 10,665,000 | 10,813,000 | 10,940,000 |
| Total capital | 11,139,000 | 11,158,000 | 11,315,000 | 11,409,000 |
| Risk-weighted assets | 41,416,000 | 40,686,000 | 40,046,000 | 39,686,000 |
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