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 | 221,140,000 | 272,250,000 | 296,190,000 | 251,804,000 |
| Total loans | 188,707,000 | 188,126,000 | 250,705,000 | 229,648,000 |
| Allowance for loan losses | 485,000 | 489,000 | 477,000 | 480,000 |
| Securities available for sale | 9,313,000 | 8,922,000 | 8,855,000 | 9,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,690,000 | 240,135,000 | 263,445,000 | 215,798,000 |
| Interest-bearing deposits | 179,243,000 | 229,935,000 | 252,922,000 | 204,082,000 |
| Noninterest-bearing deposits | 10,447,000 | 10,200,000 | 10,523,000 | 11,716,000 |
| Equity capital | 27,060,000 | 27,657,000 | 28,044,000 | 29,522,000 |
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 | 1,934,000 | 4,251,000 | 7,342,000 | 10,270,000 |
| Interest expense | 340,000 | 671,000 | 1,057,000 | 1,437,000 |
| Net interest income | 1,594,000 | 3,580,000 | 6,285,000 | 8,833,000 |
| Noninterest income | 106,000 | 204,000 | 324,000 | 473,000 |
| Noninterest expense | 854,000 | 1,705,000 | 3,079,000 | 4,335,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 838,000 | 2,071,000 | 3,543,000 | 4,984,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 838,000 | 2,071,000 | 3,543,000 | 4,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,830,000 | 27,352,000 | 27,775,000 | 29,217,000 |
| Total capital | 27,315,000 | 27,841,000 | 28,252,000 | 29,697,000 |
| Risk-weighted assets | 194,469,000 | 207,898,000 | 263,182,000 | 234,370,000 |
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