Call reports 2014
COMMUNITY STATE BANK OF ROCK FALLS — 2014
What COMMUNITY STATE BANK OF ROCK FALLS 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 | 253,943,000 | 251,611,000 | 248,935,000 | 251,243,000 |
| Total loans | 166,407,000 | 171,495,000 | 173,255,000 | 175,188,000 |
| Allowance for loan losses | 4,253,000 | 4,564,000 | 4,869,000 | 2,909,000 |
| Securities available for sale | 43,348,000 | 43,487,000 | 42,702,000 | 42,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,872,000 | 227,132,000 | 224,287,000 | 225,749,000 |
| Interest-bearing deposits | 204,128,000 | 201,770,000 | 199,732,000 | 196,731,000 |
| Noninterest-bearing deposits | 25,744,000 | 25,362,000 | 24,555,000 | 29,018,000 |
| Equity capital | 23,179,000 | 23,527,000 | 23,724,000 | 24,354,000 |
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 | 2,301,000 | 4,648,000 | 7,046,000 | 9,453,000 |
| Interest expense | 350,000 | 698,000 | 1,046,000 | 1,383,000 |
| Net interest income | 1,951,000 | 3,950,000 | 6,000,000 | 8,070,000 |
| Noninterest income | 333,000 | 648,000 | 942,000 | 1,231,000 |
| Noninterest expense | 1,445,000 | 2,996,000 | 4,525,000 | 5,858,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 945,000 |
| Pretax income | 541,000 | 1,004,000 | 1,521,000 | 2,502,000 |
| Income tax | 182,000 | 331,000 | 511,000 | 860,000 |
| Net income | 359,000 | 673,000 | 1,010,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,259,000 | 22,386,000 | 22,546,000 | 22,988,000 |
| Total capital | 24,151,000 | 24,146,000 | 24,517,000 | 24,977,000 |
| Risk-weighted assets | 149,213,000 | 152,038,000 | 154,821,000 | 158,168,000 |