Call reports 2014
CITIZENS FIRST STATE BANK OF WALNUT — 2014
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 54,773,000 | 54,249,000 | 54,520,000 | 54,198,000 |
| Total loans | 27,870,000 | 28,394,000 | 29,275,000 | 29,697,000 |
| Allowance for loan losses | 734,000 | 739,000 | 710,000 | 709,000 |
| Securities available for sale | 18,476,000 | 20,180,000 | 19,989,000 | 17,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,346,000 | 50,833,000 | 51,085,000 | 50,807,000 |
| Interest-bearing deposits | 43,080,000 | 42,667,000 | 41,907,000 | 41,320,000 |
| Noninterest-bearing deposits | 8,266,000 | 8,166,000 | 9,178,000 | 9,487,000 |
| Equity capital | 3,150,000 | 3,190,000 | 3,182,000 | 3,183,000 |
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 | 420,000 | 833,000 | 1,256,000 | 1,682,000 |
| Interest expense | 69,000 | 136,000 | 204,000 | 268,000 |
| Net interest income | 351,000 | 697,000 | 1,052,000 | 1,414,000 |
| Noninterest income | 36,000 | 71,000 | 110,000 | 164,000 |
| Noninterest expense | 418,000 | 780,000 | 1,158,000 | 1,598,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 33,000 |
| Pretax income | -40,000 | -30,000 | -18,000 | 4,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -40,000 | -30,000 | -18,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,187,000 | 3,197,000 | 3,209,000 | 3,231,000 |
| Total capital | 3,529,000 | 3,539,000 | 3,556,000 | 3,580,000 |
| Risk-weighted assets | 26,963,000 | 26,965,000 | 27,381,000 | 27,626,000 |
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