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 | 210,751,000 | 221,024,000 | 237,591,000 | 275,329,000 |
| Total loans | 170,646,000 | 179,827,000 | 191,541,000 | 198,761,000 |
| Allowance for loan losses | 1,661,000 | 1,915,000 | 2,305,000 | 1,955,000 |
| Securities available for sale | 15,789,000 | 15,215,000 | 14,788,000 | 14,349,000 |
| Securities held to maturity | 5,110,000 | 5,099,000 | 7,593,000 | 7,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,154,000 | 201,156,000 | 214,797,000 | 252,722,000 |
| Interest-bearing deposits | 172,031,000 | 180,711,000 | 191,636,000 | 232,423,000 |
| Noninterest-bearing deposits | 21,124,000 | 20,446,000 | 23,161,000 | 20,299,000 |
| Equity capital | 16,333,000 | 17,872,000 | 22,382,000 | 22,252,000 |
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 | 3,259,000 | 7,255,000 | 10,991,000 | 14,705,000 |
| Interest expense | 419,000 | 865,000 | 1,372,000 | 2,001,000 |
| Net interest income | 2,840,000 | 6,390,000 | 9,619,000 | 12,704,000 |
| Noninterest income | 111,000 | 268,000 | 418,000 | 534,000 |
| Noninterest expense | 1,888,000 | 4,250,000 | 6,412,000 | 8,973,000 |
| Provision for loan losses | 327,000 | 814,000 | 1,771,000 | 2,363,000 |
| Pretax income | 787,000 | 1,634,000 | 1,880,000 | 1,909,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 787,000 | 1,634,000 | 1,880,000 | 1,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,723,000 | 17,973,000 | 22,620,000 | 22,390,000 |
| Total capital | 18,384,000 | 19,888,000 | 24,925,000 | 24,345,000 |
| Risk-weighted assets | 172,062,000 | 184,742,000 | 196,404,000 | 204,946,000 |