Call reports 2014
CITIZENS STATE BANK OF LANKIN — 2014
What CITIZENS STATE BANK OF LANKIN 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 | 47,002,000 | 43,592,000 | 44,388,000 | 44,486,000 |
| Total loans | 25,134,000 | 27,985,000 | 30,555,000 | 29,812,000 |
| Allowance for loan losses | 314,000 | 314,000 | 332,000 | 320,000 |
| Securities available for sale | 8,974,000 | 8,690,000 | 8,448,000 | 8,297,000 |
| Securities held to maturity | 256,000 | 216,000 | 216,000 | 215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,406,000 | 37,780,000 | 36,348,000 | 38,314,000 |
| Interest-bearing deposits | 33,306,000 | 30,300,000 | 28,556,000 | 29,659,000 |
| Noninterest-bearing deposits | 8,100,000 | 7,480,000 | 7,792,000 | 8,655,000 |
| Equity capital | 3,528,000 | 3,758,000 | 3,958,000 | 4,112,000 |
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 | 428,000 | 870,000 | 1,366,000 | 1,858,000 |
| Interest expense | 34,000 | 66,000 | 102,000 | 138,000 |
| Net interest income | 394,000 | 804,000 | 1,264,000 | 1,720,000 |
| Noninterest income | 28,000 | 54,000 | 80,000 | 108,000 |
| Noninterest expense | 356,000 | 720,000 | 1,038,000 | 1,384,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 66,000 | 138,000 | 306,000 | 444,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 66,000 | 138,000 | 306,000 | 444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,774,000 | 3,847,000 | 4,015,000 | 4,152,000 |
| Total capital | 4,088,000 | 4,161,000 | 4,347,000 | 4,472,000 |
| Risk-weighted assets | 30,298,000 | 31,285,000 | 32,297,000 | 32,430,000 |