Call reports 2014
CITIZENS STATE BANK OF FINLEY, THE — 2014
What CITIZENS STATE BANK OF FINLEY, 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 | 133,288,000 | 132,226,000 | 136,089,000 | 130,066,000 |
| Total loans | 77,710,000 | 82,375,000 | 86,915,000 | 82,076,000 |
| Allowance for loan losses | 1,393,000 | 1,403,000 | 1,402,000 | 1,402,000 |
| Securities available for sale | 19,664,000 | 19,394,000 | 16,301,000 | 16,032,000 |
| Securities held to maturity | 21,673,000 | 21,537,000 | 22,009,000 | 20,352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,394,000 | 102,601,000 | 97,889,000 | 102,259,000 |
| Interest-bearing deposits | 84,240,000 | 82,270,000 | 78,056,000 | 77,996,000 |
| Noninterest-bearing deposits | 24,154,000 | 20,331,000 | 19,833,000 | 24,263,000 |
| Equity capital | 10,792,000 | 11,253,000 | 11,773,000 | 12,145,000 |
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 | 1,117,000 | 2,293,000 | 3,546,000 | 4,762,000 |
| Interest expense | 106,000 | 216,000 | 332,000 | 449,000 |
| Net interest income | 1,011,000 | 2,077,000 | 3,214,000 | 4,313,000 |
| Noninterest income | 239,000 | 442,000 | 925,000 | 1,299,000 |
| Noninterest expense | 1,002,000 | 1,969,000 | 3,040,000 | 4,142,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 240,000 | 548,000 | 1,108,000 | 1,479,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 240,000 | 548,000 | 1,108,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,047,000 | 11,307,000 | 11,822,000 | 12,124,000 |
| Total capital | 12,167,000 | 12,475,000 | 13,044,000 | 13,284,000 |
| Risk-weighted assets | 89,322,000 | 93,175,000 | 97,527,000 | 92,574,000 |