Call reports 2014
CITIZENS STATE BANK AND TRUST COMPANY — 2014
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 95,208,000 | 90,209,000 | 86,117,000 | 85,025,000 |
| Total loans | 32,144,000 | 35,041,000 | 35,402,000 | 36,258,000 |
| Allowance for loan losses | 351,000 | 342,000 | 332,000 | 334,000 |
| Securities available for sale | 20,858,000 | 19,855,000 | 18,404,000 | 18,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,275,000 | 71,241,000 | 67,564,000 | 66,445,000 |
| Interest-bearing deposits | 53,620,000 | 53,525,000 | 50,068,000 | 48,851,000 |
| Noninterest-bearing deposits | 22,655,000 | 17,717,000 | 17,496,000 | 17,594,000 |
| Equity capital | 12,077,000 | 12,144,000 | 12,229,000 | 12,324,000 |
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 | 482,000 | 991,000 | 1,527,000 | 2,045,000 |
| Interest expense | 44,000 | 88,000 | 130,000 | 170,000 |
| Net interest income | 438,000 | 903,000 | 1,397,000 | 1,875,000 |
| Noninterest income | 217,000 | 343,000 | 538,000 | 778,000 |
| Noninterest expense | 569,000 | 1,101,000 | 1,671,000 | 2,230,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 145,000 | 264,000 | 423,000 |
| Income tax | 1,000 | 2,000 | 6,000 | 9,000 |
| Net income | 85,000 | 143,000 | 258,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,072,000 | 12,110,000 | 12,205,000 | 12,340,000 |
| Total capital | 12,423,000 | 12,452,000 | 12,537,000 | 12,674,000 |
| Risk-weighted assets | 40,525,000 | 43,086,000 | 42,728,000 | 43,306,000 |