Call reports 2014
CITIZENS STATE BANK OF HAYFIELD — 2014
What CITIZENS STATE BANK OF HAYFIELD 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 | 79,929,000 | 92,996,000 | 83,170,000 | 83,076,000 |
| Total loans | 55,836,000 | 58,804,000 | 60,024,000 | 63,600,000 |
| Allowance for loan losses | 822,000 | 834,000 | 846,000 | 809,000 |
| Securities available for sale | 8,338,000 | 9,037,000 | 8,298,000 | 7,426,000 |
| Securities held to maturity | 35,000 | 35,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,177,000 | 86,103,000 | 76,550,000 | 75,942,000 |
| Interest-bearing deposits | 56,263,000 | 62,024,000 | 57,921,000 | 54,624,000 |
| Noninterest-bearing deposits | 16,914,000 | 24,079,000 | 18,629,000 | 21,318,000 |
| Equity capital | 5,658,000 | 5,821,000 | 5,920,000 | 6,016,000 |
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 | 798,000 | 1,636,000 | 2,501,000 | 3,381,000 |
| Interest expense | 107,000 | 214,000 | 316,000 | 412,000 |
| Net interest income | 691,000 | 1,422,000 | 2,185,000 | 2,969,000 |
| Noninterest income | 82,000 | 155,000 | 223,000 | 289,000 |
| Noninterest expense | 550,000 | 1,130,000 | 1,702,000 | 2,375,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 208,000 | 420,000 | 663,000 | 822,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 207,000 | 419,000 | 662,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,705,000 | 5,779,000 | 5,917,000 | 5,975,000 |
| Total capital | 6,393,000 | 6,499,000 | 6,642,000 | 6,753,000 |
| Risk-weighted assets | 54,891,000 | 57,507,000 | 57,900,000 | 62,223,000 |
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