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 | 326,710,000 | 322,531,000 | 325,356,000 | 338,128,000 |
| Total loans | 272,215,000 | 271,156,000 | 269,165,000 | 281,426,000 |
| Allowance for loan losses | 4,166,000 | 4,292,000 | 4,186,000 | 4,293,000 |
| Securities available for sale | 30,377,000 | 31,010,000 | 37,788,000 | 36,247,000 |
| Securities held to maturity | 200,000 | 191,000 | 147,000 | 142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,710,000 | 285,404,000 | 283,261,000 | 278,392,000 |
| Interest-bearing deposits | 247,598,000 | 247,134,000 | 248,142,000 | 236,911,000 |
| Noninterest-bearing deposits | 41,112,000 | 38,270,000 | 35,119,000 | 41,481,000 |
| Equity capital | 30,268,000 | 31,297,000 | 31,707,000 | 32,228,000 |
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 | 3,488,000 | 7,105,000 | 10,654,000 | 14,295,000 |
| Interest expense | 550,000 | 1,104,000 | 1,665,000 | 2,217,000 |
| Net interest income | 2,938,000 | 6,001,000 | 8,989,000 | 12,078,000 |
| Noninterest income | 236,000 | 449,000 | 776,000 | 1,092,000 |
| Noninterest expense | 1,926,000 | 3,806,000 | 5,788,000 | 7,753,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,024,000 | 2,311,000 | 3,496,000 | 4,789,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,024,000 | 2,311,000 | 3,496,000 | 4,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,295,000 | 28,733,000 | 29,114,000 | 29,419,000 |
| Total capital | 31,899,000 | 32,283,000 | 32,664,000 | 33,147,000 |
| Risk-weighted assets | 287,754,000 | 283,288,000 | 283,404,000 | 297,704,000 |
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