Call reports 2014
COMMUNITY STATE BANK — 2014
What COMMUNITY 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 | 203,208,000 | 203,959,000 | 203,676,000 | 202,347,000 |
| Total loans | 157,503,000 | 160,043,000 | 166,550,000 | 164,460,000 |
| Allowance for loan losses | 2,380,000 | 2,326,000 | 2,343,000 | 2,345,000 |
| Securities available for sale | 29,622,000 | 25,148,000 | 24,522,000 | 23,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,714,000 | 165,091,000 | 170,448,000 | 168,268,000 |
| Interest-bearing deposits | 140,927,000 | 139,410,000 | 141,431,000 | 135,470,000 |
| Noninterest-bearing deposits | 23,787,000 | 25,681,000 | 29,017,000 | 32,798,000 |
| Equity capital | 19,098,000 | 19,711,000 | 20,056,000 | 20,448,000 |
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 | 2,158,000 | 4,288,000 | 6,449,000 | 8,633,000 |
| Interest expense | 309,000 | 614,000 | 908,000 | 1,194,000 |
| Net interest income | 1,849,000 | 3,674,000 | 5,541,000 | 7,439,000 |
| Noninterest income | 325,000 | 702,000 | 1,051,000 | 1,372,000 |
| Noninterest expense | 1,308,000 | 2,587,000 | 3,983,000 | 5,400,000 |
| Provision for loan losses | 0 | -150,000 | -150,000 | -100,000 |
| Pretax income | 780,000 | 1,611,000 | 2,431,000 | 3,205,000 |
| Income tax | 275,000 | 571,000 | 870,000 | 1,144,000 |
| Net income | 505,000 | 1,040,000 | 1,561,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,670,000 | 20,005,000 | 20,325,000 | 20,626,000 |
| Total capital | 21,356,000 | 21,712,000 | 22,099,000 | 22,381,000 |
| Risk-weighted assets | 134,187,000 | 135,925,000 | 141,324,000 | 139,844,000 |