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 | 397,746,000 | 408,056,000 | 415,672,000 | 443,170,000 |
| Total loans | 214,641,000 | 216,671,000 | 223,435,000 | 230,104,000 |
| Allowance for loan losses | 2,839,000 | 2,414,000 | 2,414,000 | 2,425,000 |
| Securities available for sale | 99,203,000 | 109,146,000 | 115,156,000 | 111,575,000 |
| Securities held to maturity | 5,038,000 | 6,218,000 | 7,250,000 | 6,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,085,000 | 361,005,000 | 366,883,000 | 395,419,000 |
| Interest-bearing deposits | 320,192,000 | 323,530,000 | 324,465,000 | 343,519,000 |
| Noninterest-bearing deposits | 31,893,000 | 37,475,000 | 42,418,000 | 51,900,000 |
| Equity capital | 41,592,000 | 42,710,000 | 43,592,000 | 44,354,000 |
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 | 3,979,000 | 8,056,000 | 12,208,000 | 16,461,000 |
| Interest expense | 265,000 | 527,000 | 790,000 | 1,039,000 |
| Net interest income | 3,714,000 | 7,529,000 | 11,418,000 | 15,422,000 |
| Noninterest income | 858,000 | 1,712,000 | 2,629,000 | 3,657,000 |
| Noninterest expense | 3,169,000 | 6,183,000 | 9,448,000 | 12,650,000 |
| Provision for loan losses | 84,000 | 159,000 | 234,000 | 414,000 |
| Pretax income | 1,319,000 | 2,899,000 | 4,365,000 | 6,015,000 |
| Income tax | 377,000 | 839,000 | 1,263,000 | 1,748,000 |
| Net income | 942,000 | 2,060,000 | 3,102,000 | 4,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,197,000 | 42,289,000 | 43,229,000 | 43,857,000 |
| Total capital | 44,036,000 | 44,703,000 | 45,644,000 | 46,289,000 |
| Risk-weighted assets | 233,206,000 | 236,281,000 | 241,369,000 | 251,570,000 |