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 | 54,838,000 | 52,298,000 | 52,007,000 | 57,193,000 |
| Total loans | 24,515,000 | 25,459,000 | 26,264,000 | 25,596,000 |
| Allowance for loan losses | 547,000 | 548,000 | 553,000 | 627,000 |
| Securities available for sale | 22,222,000 | 22,366,000 | 19,511,000 | 20,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,793,000 | 44,658,000 | 45,343,000 | 47,839,000 |
| Interest-bearing deposits | 34,700,000 | 34,512,000 | 33,863,000 | 34,891,000 |
| Noninterest-bearing deposits | 13,093,000 | 10,146,000 | 11,480,000 | 12,948,000 |
| Equity capital | 4,870,000 | 4,935,000 | 5,011,000 | 5,014,000 |
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 | 374,000 | 761,000 | 1,145,000 | 1,581,000 |
| Interest expense | 52,000 | 99,000 | 142,000 | 196,000 |
| Net interest income | 322,000 | 662,000 | 1,003,000 | 1,385,000 |
| Noninterest income | 84,000 | 148,000 | 215,000 | 282,000 |
| Noninterest expense | 273,000 | 527,000 | 732,000 | 1,037,000 |
| Provision for loan losses | 6,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | 134,000 | 277,000 | 486,000 | 644,000 |
| Income tax | 39,000 | 89,000 | 161,000 | 215,000 |
| Net income | 95,000 | 188,000 | 325,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,891,000 | 4,918,000 | 4,991,000 | 5,030,000 |
| Total capital | 5,233,000 | 5,261,000 | 5,327,000 | 5,366,000 |
| Risk-weighted assets | 27,156,000 | 27,211,000 | 26,649,000 | 26,601,000 |