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 | 34,959,000 | 32,366,000 | 31,307,000 | 34,550,000 |
| Total loans | 10,670,000 | 15,245,000 | 18,422,000 | 15,351,000 |
| Allowance for loan losses | 175,000 | 177,000 | 178,000 | 159,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,255,000 | 8,974,000 | 7,584,000 | 8,287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,271,000 | 29,641,000 | 28,487,000 | 31,678,000 |
| Interest-bearing deposits | 26,050,000 | 24,422,000 | 23,590,000 | 24,485,000 |
| Noninterest-bearing deposits | 6,222,000 | 5,219,000 | 4,897,000 | 7,193,000 |
| Equity capital | 2,527,000 | 2,547,000 | 2,613,000 | 2,669,000 |
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 | 190,000 | 417,000 | 699,000 | 982,000 |
| Interest expense | 32,000 | 67,000 | 99,000 | 133,000 |
| Net interest income | 158,000 | 350,000 | 600,000 | 849,000 |
| Noninterest income | 29,000 | 61,000 | 96,000 | 123,000 |
| Noninterest expense | 200,000 | 405,000 | 598,000 | 823,000 |
| Provision for loan losses | 0 | 0 | 0 | -20,000 |
| Pretax income | -13,000 | 6,000 | 98,000 | 169,000 |
| Income tax | -2,000 | -6,000 | 6,000 | 21,000 |
| Net income | -11,000 | 12,000 | 92,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,527,000 | 2,547,000 | 2,613,000 | 2,669,000 |
| Total capital | 2,702,000 | 2,724,000 | 2,791,000 | 2,828,000 |
| Risk-weighted assets | 15,729,000 | 17,809,000 | 19,705,000 | 18,538,000 |