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 | 131,744,000 | 124,880,000 | 115,647,000 | 134,250,000 |
| Total loans | 57,477,000 | 64,317,000 | 67,983,000 | 70,938,000 |
| Allowance for loan losses | 1,063,000 | 1,074,000 | 1,079,000 | 1,092,000 |
| Securities available for sale | 37,145,000 | 40,062,000 | 38,413,000 | 37,445,000 |
| Securities held to maturity | 187,000 | 135,000 | 133,000 | 132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,122,000 | 109,778,000 | 98,201,000 | 118,452,000 |
| Interest-bearing deposits | 86,658,000 | 82,407,000 | 76,504,000 | 88,272,000 |
| Noninterest-bearing deposits | 30,464,000 | 27,371,000 | 21,697,000 | 30,180,000 |
| Equity capital | 14,347,000 | 14,743,000 | 15,092,000 | 15,561,000 |
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 | 1,098,000 | 2,218,000 | 3,468,000 | 4,715,000 |
| Interest expense | 89,000 | 169,000 | 241,000 | 315,000 |
| Net interest income | 1,009,000 | 2,049,000 | 3,227,000 | 4,400,000 |
| Noninterest income | 83,000 | 181,000 | 289,000 | 476,000 |
| Noninterest expense | 835,000 | 1,644,000 | 2,451,000 | 3,250,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 257,000 | 586,000 | 1,065,000 | 1,626,000 |
| Income tax | 51,000 | 145,000 | 271,000 | 422,000 |
| Net income | 206,000 | 441,000 | 794,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,430,000 | 14,665,000 | 15,017,000 | 15,428,000 |
| Total capital | 15,279,000 | 15,625,000 | 16,011,000 | 16,459,000 |
| Risk-weighted assets | 67,692,000 | 76,720,000 | 79,408,000 | 82,456,000 |