Call reports 2014
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2014
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 64,676,000 | 66,231,000 | 68,672,000 | 72,608,000 |
| Total loans | 40,319,000 | 39,828,000 | 44,028,000 | 46,925,000 |
| Allowance for loan losses | 214,000 | 221,000 | 223,000 | 322,000 |
| Securities available for sale | 9,226,000 | 9,446,000 | 9,112,000 | 8,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,519,000 | 54,966,000 | 57,313,000 | 60,162,000 |
| Interest-bearing deposits | 38,398,000 | 37,748,000 | 38,091,000 | 38,456,000 |
| Noninterest-bearing deposits | 15,121,000 | 17,218,000 | 19,222,000 | 21,706,000 |
| Equity capital | 8,364,000 | 8,507,000 | 8,593,000 | 8,674,000 |
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 | 652,000 | 1,306,000 | 1,978,000 | 2,691,000 |
| Interest expense | 55,000 | 109,000 | 162,000 | 217,000 |
| Net interest income | 597,000 | 1,197,000 | 1,816,000 | 2,474,000 |
| Noninterest income | 115,000 | 222,000 | 324,000 | 448,000 |
| Noninterest expense | 471,000 | 896,000 | 1,299,000 | 1,769,000 |
| Provision for loan losses | 45,000 | 75,000 | 75,000 | 174,000 |
| Pretax income | 196,000 | 448,000 | 766,000 | 979,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 195,000 | 447,000 | 765,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,339,000 | 5,434,000 | 5,514,000 | 5,603,000 |
| Total capital | 5,553,000 | 5,655,000 | 5,737,000 | 5,925,000 |
| Risk-weighted assets | 40,020,000 | 39,573,000 | 43,261,000 | 45,023,000 |
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