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 | 118,137,000 | 118,228,000 | 119,039,000 | 121,674,000 |
| Total loans | 58,084,000 | 56,950,000 | 57,544,000 | 57,226,000 |
| Allowance for loan losses | 664,000 | 658,000 | 681,000 | 662,000 |
| Securities available for sale | 43,482,000 | 44,830,000 | 47,178,000 | 48,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,996,000 | 105,952,000 | 106,763,000 | 108,729,000 |
| Interest-bearing deposits | 80,839,000 | 78,606,000 | 82,016,000 | 81,273,000 |
| Noninterest-bearing deposits | 25,157,000 | 27,346,000 | 24,747,000 | 27,456,000 |
| Equity capital | 11,657,000 | 11,703,000 | 11,730,000 | 12,180,000 |
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 | 1,283,000 | 2,553,000 | 3,851,000 | 5,144,000 |
| Interest expense | 166,000 | 324,000 | 478,000 | 629,000 |
| Net interest income | 1,117,000 | 2,229,000 | 3,373,000 | 4,515,000 |
| Noninterest income | 220,000 | 426,000 | 646,000 | 865,000 |
| Noninterest expense | 759,000 | 1,536,000 | 2,276,000 | 2,997,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 533,000 | 1,029,000 | 1,608,000 | 2,203,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 533,000 | 1,029,000 | 1,608,000 | 2,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,126,000 | 11,923,000 | 12,152,000 | 12,255,000 |
| Total capital | 12,790,000 | 12,581,000 | 12,833,000 | 12,917,000 |
| Risk-weighted assets | 63,773,000 | 63,040,000 | 64,084,000 | 63,708,000 |