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 | 355,701,000 | 360,834,000 | 367,615,000 | 369,819,000 |
| Total loans | 194,173,000 | 190,586,000 | 203,268,000 | 211,208,000 |
| Allowance for loan losses | 2,199,000 | 2,157,000 | 2,158,000 | 1,978,000 |
| Securities available for sale | 135,774,000 | 143,796,000 | 136,352,000 | 131,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,312,000 | 311,009,000 | 308,368,000 | 313,426,000 |
| Interest-bearing deposits | 268,183,000 | 271,351,000 | 267,697,000 | 267,305,000 |
| Noninterest-bearing deposits | 39,129,000 | 39,658,000 | 40,670,000 | 46,121,000 |
| Equity capital | 42,107,000 | 43,232,000 | 43,215,000 | 43,983,000 |
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 | 3,379,000 | 6,762,000 | 10,209,000 | 13,740,000 |
| Interest expense | 766,000 | 1,565,000 | 2,357,000 | 3,150,000 |
| Net interest income | 2,613,000 | 5,197,000 | 7,852,000 | 10,590,000 |
| Noninterest income | 683,000 | 1,375,000 | 1,914,000 | 2,481,000 |
| Noninterest expense | 1,738,000 | 3,506,000 | 5,190,000 | 6,991,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,569,000 | 3,385,000 | 5,062,000 | 6,486,000 |
| Income tax | 79,000 | 155,000 | 236,000 | 317,000 |
| Net income | 1,490,000 | 3,230,000 | 4,826,000 | 6,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,704,000 | 33,549,000 | 33,976,000 | 34,324,000 |
| Total capital | 35,903,000 | 35,706,000 | 36,134,000 | 36,302,000 |
| Risk-weighted assets | 248,288,000 | 246,929,000 | 256,856,000 | 261,176,000 |
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