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 | 195,215,000 | 194,209,000 | 189,588,000 | 190,527,000 |
| Total loans | 72,911,000 | 73,920,000 | 72,201,000 | 72,649,000 |
| Allowance for loan losses | 2,032,000 | 2,156,000 | 1,935,000 | 2,040,000 |
| Securities available for sale | 77,603,000 | 83,257,000 | 85,850,000 | 88,001,000 |
| Securities held to maturity | 6,761,000 | 6,460,000 | 5,157,000 | 4,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,752,000 | 173,404,000 | 168,801,000 | 169,848,000 |
| Interest-bearing deposits | 148,416,000 | 146,319,000 | 141,422,000 | 141,992,000 |
| Noninterest-bearing deposits | 26,337,000 | 27,085,000 | 27,379,000 | 27,856,000 |
| Equity capital | 20,235,000 | 20,516,000 | 20,487,000 | 20,392,000 |
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 | 1,562,000 | 3,103,000 | 4,707,000 | 6,229,000 |
| Interest expense | 89,000 | 177,000 | 255,000 | 325,000 |
| Net interest income | 1,473,000 | 2,926,000 | 4,452,000 | 5,904,000 |
| Noninterest income | 258,000 | 606,000 | 873,000 | 1,119,000 |
| Noninterest expense | 1,541,000 | 3,114,000 | 4,764,000 | 6,426,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 40,000 | 132,000 | 200,000 | 181,000 |
| Income tax | -28,000 | -32,000 | -40,000 | -72,000 |
| Net income | 68,000 | 164,000 | 240,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,107,000 | 16,337,000 | 16,482,000 | 16,676,000 |
| Total capital | 17,256,000 | 17,556,000 | 17,731,000 | 17,938,000 |
| Risk-weighted assets | 94,098,000 | 97,859,000 | 99,150,000 | 100,183,000 |