Call reports 2014
CITIZENS STATE BANK - MIDWEST — 2014
What CITIZENS STATE BANK - MIDWEST 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 | 117,929,000 | 120,744,000 | 123,987,000 | 122,552,000 |
| Total loans | 75,127,000 | 83,068,000 | 89,201,000 | 91,370,000 |
| Allowance for loan losses | 1,463,000 | 1,476,000 | 1,481,000 | 1,502,000 |
| Securities available for sale | 23,729,000 | 24,102,000 | 23,070,000 | 18,991,000 |
| Securities held to maturity | 297,000 | 296,000 | 294,000 | 292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,588,000 | 100,603,000 | 95,291,000 | 101,406,000 |
| Interest-bearing deposits | 81,984,000 | 77,927,000 | 73,867,000 | 78,242,000 |
| Noninterest-bearing deposits | 21,604,000 | 22,676,000 | 21,424,000 | 23,164,000 |
| Equity capital | 13,214,000 | 13,594,000 | 13,857,000 | 14,183,000 |
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 | 1,012,000 | 2,076,000 | 3,212,000 | 4,353,000 |
| Interest expense | 81,000 | 164,000 | 246,000 | 329,000 |
| Net interest income | 931,000 | 1,912,000 | 2,966,000 | 4,024,000 |
| Noninterest income | 105,000 | 247,000 | 409,000 | 626,000 |
| Noninterest expense | 844,000 | 1,684,000 | 2,522,000 | 3,387,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 190,000 | 477,000 | 855,000 | 1,286,000 |
| Income tax | 47,000 | 116,000 | 251,000 | 397,000 |
| Net income | 143,000 | 361,000 | 604,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,367,000 | 11,815,000 | 12,280,000 | 12,852,000 |
| Total capital | 12,429,000 | 12,952,000 | 13,482,000 | 14,067,000 |
| Risk-weighted assets | 83,754,000 | 89,882,000 | 94,807,000 | 96,227,000 |