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 | 89,272,000 | 83,033,000 | 82,231,000 | 85,019,000 |
| Total loans | 51,803,000 | 53,518,000 | 53,931,000 | 56,267,000 |
| Allowance for loan losses | 1,393,000 | 1,456,000 | 1,517,000 | 1,570,000 |
| Securities available for sale | 16,746,000 | 14,244,000 | 14,247,000 | 13,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,636,000 | 72,081,000 | 70,949,000 | 73,365,000 |
| Interest-bearing deposits | 62,217,000 | 60,020,000 | 59,447,000 | 58,782,000 |
| Noninterest-bearing deposits | 16,419,000 | 12,061,000 | 11,503,000 | 14,583,000 |
| Equity capital | 10,434,000 | 10,773,000 | 11,075,000 | 11,436,000 |
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 | 881,000 | 1,772,000 | 2,677,000 | 3,594,000 |
| Interest expense | 112,000 | 223,000 | 336,000 | 446,000 |
| Net interest income | 769,000 | 1,549,000 | 2,341,000 | 3,148,000 |
| Noninterest income | 39,000 | 83,000 | 128,000 | 172,000 |
| Noninterest expense | 459,000 | 908,000 | 1,362,000 | 1,824,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 289,000 | 604,000 | 927,000 | 1,256,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 289,000 | 604,000 | 927,000 | 1,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,480,000 | 10,795,000 | 11,118,000 | 11,447,000 |
| Total capital | 11,157,000 | 11,477,000 | 11,824,000 | 12,181,000 |
| Risk-weighted assets | 53,423,000 | 53,819,000 | 55,671,000 | 57,851,000 |