Call reports 2014
CITIZENS STATE BANK OF LOYAL — 2014
What CITIZENS STATE BANK OF LOYAL 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 | 185,037,000 | 186,992,000 | 183,354,000 | 189,254,000 |
| Total loans | 107,455,000 | 105,242,000 | 106,766,000 | 110,065,000 |
| Allowance for loan losses | 1,588,000 | 1,603,000 | 1,616,000 | 1,632,000 |
| Securities available for sale | 56,688,000 | 57,510,000 | 59,456,000 | 57,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,339,000 | 149,780,000 | 145,581,000 | 151,258,000 |
| Interest-bearing deposits | 127,100,000 | 124,905,000 | 122,664,000 | 126,732,000 |
| Noninterest-bearing deposits | 21,239,000 | 24,875,000 | 22,916,000 | 24,526,000 |
| Equity capital | 20,669,000 | 20,935,000 | 21,442,000 | 21,525,000 |
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 | 1,835,000 | 3,645,000 | 5,377,000 | 7,110,000 |
| Interest expense | 314,000 | 622,000 | 924,000 | 1,227,000 |
| Net interest income | 1,521,000 | 3,023,000 | 4,453,000 | 5,883,000 |
| Noninterest income | 439,000 | 808,000 | 1,119,000 | 1,457,000 |
| Noninterest expense | 1,247,000 | 2,530,000 | 3,805,000 | 5,057,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 698,000 | 1,271,000 | 1,722,000 | 2,223,000 |
| Income tax | 169,000 | 285,000 | 345,000 | 405,000 |
| Net income | 529,000 | 986,000 | 1,377,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,331,000 | 20,400,000 | 20,801,000 | 20,854,000 |
| Total capital | 21,919,000 | 22,003,000 | 22,417,000 | 22,486,000 |
| Risk-weighted assets | 131,168,000 | 130,602,000 | 124,929,000 | 136,559,000 |