Call reports 2014
CMS BANK — 2014
What CMS 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 | 267,555,000 | 273,075,000 | 273,249,000 | 267,486,000 |
| Total loans | 216,558,000 | 223,923,000 | 224,875,000 | 219,551,000 |
| Allowance for loan losses | 657,000 | 695,000 | 740,000 | 660,000 |
| Securities available for sale | 39,750,000 | 40,172,000 | 39,365,000 | 39,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,766,000 | 230,740,000 | 228,067,000 | 214,705,000 |
| Interest-bearing deposits | 194,005,000 | 190,421,000 | 195,514,000 | 187,513,000 |
| Noninterest-bearing deposits | 32,761,000 | 40,319,000 | 32,553,000 | 27,192,000 |
| Equity capital | 20,972,000 | 21,597,000 | 21,775,000 | 22,165,000 |
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 | 2,787,000 | 5,664,000 | 8,513,000 | 11,319,000 |
| Interest expense | 547,000 | 1,103,000 | 1,600,000 | 2,048,000 |
| Net interest income | 2,240,000 | 4,561,000 | 6,913,000 | 9,271,000 |
| Noninterest income | 67,000 | 118,000 | 210,000 | 275,000 |
| Noninterest expense | 1,913,000 | 3,891,000 | 5,881,000 | 7,859,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 319,000 | 663,000 | 1,042,000 | 1,412,000 |
| Income tax | 125,000 | 260,000 | 406,000 | 505,000 |
| Net income | 194,000 | 403,000 | 636,000 | 907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,449,000 | 22,691,000 | 22,959,000 | 23,266,000 |
| Total capital | 23,106,000 | 23,386,000 | 23,699,000 | 23,926,000 |
| Risk-weighted assets | 188,405,000 | 191,619,000 | 191,725,000 | 187,034,000 |