Call reports 2014
CITIZENS STATE BANK, THE — 2014
What CITIZENS STATE BANK, 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 | 421,197,000 | 427,342,000 | 414,884,000 | 423,896,000 |
| Total loans | 193,864,000 | 197,506,000 | 197,911,000 | 217,282,000 |
| Allowance for loan losses | 2,341,000 | 2,402,000 | 2,472,000 | 2,539,000 |
| Securities available for sale | 155,695,000 | 159,499,000 | 160,044,000 | 160,580,000 |
| Securities held to maturity | 32,000 | 30,000 | 29,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,805,000 | 337,366,000 | 333,984,000 | 330,001,000 |
| Interest-bearing deposits | 293,895,000 | 286,841,000 | 279,890,000 | 276,140,000 |
| Noninterest-bearing deposits | 51,910,000 | 50,525,000 | 54,094,000 | 53,861,000 |
| Equity capital | 44,672,000 | 45,716,000 | 46,529,000 | 47,285,000 |
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 | 3,425,000 | 6,905,000 | 10,370,000 | 13,980,000 |
| Interest expense | 439,000 | 875,000 | 1,311,000 | 1,731,000 |
| Net interest income | 2,986,000 | 6,030,000 | 9,059,000 | 12,249,000 |
| Noninterest income | 438,000 | 701,000 | 1,162,000 | 1,873,000 |
| Noninterest expense | 2,367,000 | 4,877,000 | 7,285,000 | 9,826,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 997,000 | 1,824,000 | 2,883,000 | 4,185,000 |
| Income tax | 265,000 | 453,000 | 719,000 | 894,000 |
| Net income | 732,000 | 1,371,000 | 2,164,000 | 3,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,354,000 | 40,778,000 | 41,607,000 | 42,269,000 |
| Total capital | 42,695,000 | 43,185,000 | 44,091,000 | 44,829,000 |
| Risk-weighted assets | 268,071,000 | 289,785,000 | 293,876,000 | 310,774,000 |
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