Call reports 2014
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2014
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 47,710,000 | 48,892,000 | 45,556,000 | 49,936,000 |
| Total loans | 19,510,000 | 21,635,000 | 21,635,000 | 21,572,000 |
| Allowance for loan losses | 781,000 | 709,000 | 715,000 | 531,000 |
| Securities available for sale | 14,307,000 | 13,655,000 | 13,081,000 | 11,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,998,000 | 43,003,000 | 39,712,000 | 44,124,000 |
| Interest-bearing deposits | 28,081,000 | 28,503,000 | 27,986,000 | 31,054,000 |
| Noninterest-bearing deposits | 13,917,000 | 14,500,000 | 11,725,000 | 13,071,000 |
| Equity capital | 5,503,000 | 5,638,000 | 5,567,000 | 5,669,000 |
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 | 400,000 | 824,000 | 1,255,000 | 1,689,000 |
| Interest expense | 62,000 | 125,000 | 188,000 | 251,000 |
| Net interest income | 338,000 | 699,000 | 1,067,000 | 1,438,000 |
| Noninterest income | 63,000 | 66,000 | 187,000 | 258,000 |
| Noninterest expense | 404,000 | 790,000 | 1,279,000 | 1,736,000 |
| Provision for loan losses | 0 | -61,000 | -61,000 | -236,000 |
| Pretax income | -4,000 | 55,000 | 55,000 | 196,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,000 | 55,000 | 55,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,532,000 | 5,552,000 | 5,471,000 | 5,613,000 |
| Total capital | 5,849,000 | 5,891,000 | 5,801,000 | 5,951,000 |
| Risk-weighted assets | 24,913,000 | 26,747,000 | 26,014,000 | 26,817,000 |