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 | 53,166,000 | 50,777,000 | 50,018,000 | 49,903,000 |
| Total loans | 14,194,000 | 13,988,000 | 14,030,000 | 14,040,000 |
| Allowance for loan losses | 662,000 | 543,000 | 518,000 | 487,000 |
| Securities available for sale | 20,189,000 | 21,792,000 | 21,770,000 | 18,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 84,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,664,000 | 44,128,000 | 43,391,000 | 43,222,000 |
| Interest-bearing deposits | 37,166,000 | 35,657,000 | 35,933,000 | 35,907,000 |
| Noninterest-bearing deposits | 9,498,000 | 8,471,000 | 7,458,000 | 7,315,000 |
| Equity capital | 6,436,000 | 6,572,000 | 6,566,000 | 6,655,000 |
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 | 381,000 | 750,000 | 1,128,000 | 1,503,000 |
| Interest expense | 18,000 | 37,000 | 55,000 | 73,000 |
| Net interest income | 363,000 | 713,000 | 1,073,000 | 1,430,000 |
| Noninterest income | 48,000 | 86,000 | 134,000 | 158,000 |
| Noninterest expense | 390,000 | 751,000 | 1,110,000 | 1,445,000 |
| Provision for loan losses | 0 | 5,000 | 19,000 | 36,000 |
| Pretax income | 21,000 | 43,000 | 78,000 | 107,000 |
| Income tax | 0 | 0 | 0 | -8,000 |
| Net income | 21,000 | 43,000 | 78,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,430,000 | 6,452,000 | 6,488,000 | 6,524,000 |
| Total capital | 6,683,000 | 6,696,000 | 6,682,000 | 6,734,000 |
| Risk-weighted assets | 19,834,000 | 19,261,000 | 16,875,000 | 16,596,000 |
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