Call reports 2014
CITY STATE BANK — 2014
What CITY 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 | 274,091,000 | 274,754,000 | 286,718,000 | 298,952,000 |
| Total loans | 179,524,000 | 191,687,000 | 199,235,000 | 223,819,000 |
| Allowance for loan losses | 1,675,000 | 1,696,000 | 1,773,000 | 2,042,000 |
| Securities available for sale | 73,215,000 | 65,999,000 | 63,768,000 | 63,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,196,000 | 226,878,000 | 236,693,000 | 239,106,000 |
| Interest-bearing deposits | 143,480,000 | 140,841,000 | 154,652,000 | 145,401,000 |
| Noninterest-bearing deposits | 83,716,000 | 86,037,000 | 82,041,000 | 93,705,000 |
| Equity capital | 25,460,000 | 26,152,000 | 26,575,000 | 26,532,000 |
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 | 2,343,000 | 4,749,000 | 7,239,000 | 9,853,000 |
| Interest expense | 283,000 | 557,000 | 829,000 | 1,115,000 |
| Net interest income | 2,060,000 | 4,192,000 | 6,410,000 | 8,738,000 |
| Noninterest income | 701,000 | 1,565,000 | 2,441,000 | 3,375,000 |
| Noninterest expense | 1,923,000 | 3,869,000 | 5,915,000 | 8,368,000 |
| Provision for loan losses | 50,000 | 150,000 | 325,000 | 625,000 |
| Pretax income | 788,000 | 1,738,000 | 2,606,000 | 3,115,000 |
| Income tax | 38,000 | 86,000 | 129,000 | 155,000 |
| Net income | 750,000 | 1,652,000 | 2,477,000 | 2,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,161,000 | 24,680,000 | 25,119,000 | 24,805,000 |
| Total capital | 25,836,000 | 26,376,000 | 26,892,000 | 26,847,000 |
| Risk-weighted assets | 193,213,000 | 202,119,000 | 204,087,000 | 232,282,000 |