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 | 83,899,000 | 83,195,000 | 81,973,000 | 84,282,000 |
| Total loans | 48,874,000 | 41,890,000 | 40,835,000 | 33,710,000 |
| Allowance for loan losses | 699,000 | 732,000 | 775,000 | 579,000 |
| Securities available for sale | 21,999,000 | 24,666,000 | 26,142,000 | 31,396,000 |
| Securities held to maturity | 1,281,000 | 1,279,000 | 1,277,000 | 6,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,946,000 | 64,050,000 | 62,730,000 | 62,955,000 |
| Interest-bearing deposits | 58,301,000 | 57,819,000 | 56,801,000 | 56,724,000 |
| Noninterest-bearing deposits | 5,645,000 | 6,231,000 | 5,929,000 | 6,231,000 |
| Equity capital | 9,342,000 | 9,799,000 | 9,899,000 | 10,027,000 |
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 | 886,000 | 1,752,000 | 2,427,000 | 3,156,000 |
| Interest expense | 238,000 | 467,000 | 673,000 | 871,000 |
| Net interest income | 648,000 | 1,285,000 | 1,754,000 | 2,285,000 |
| Noninterest income | 34,000 | 109,000 | 142,000 | 149,000 |
| Noninterest expense | 368,000 | 740,000 | 1,088,000 | 1,407,000 |
| Provision for loan losses | 50,000 | 110,000 | 145,000 | 330,000 |
| Pretax income | 264,000 | 535,000 | 654,000 | 688,000 |
| Income tax | 17,000 | 30,000 | 41,000 | 44,000 |
| Net income | 247,000 | 505,000 | 613,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,779,000 | 10,065,000 | 10,111,000 | 10,084,000 |
| Total capital | 10,414,000 | 10,630,000 | 10,660,000 | 10,607,000 |
| Risk-weighted assets | 50,779,000 | 45,043,000 | 43,662,000 | 41,763,000 |
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