Call reports 2014
CITIZENS STATE BANK — 2014
What CITIZENS 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 | 95,645,000 | 95,474,000 | 93,388,000 | 95,220,000 |
| Total loans | 48,598,000 | 48,747,000 | 48,719,000 | 50,520,000 |
| Allowance for loan losses | 799,000 | 777,000 | 776,000 | 776,000 |
| Securities available for sale | 40,211,000 | 41,469,000 | 39,910,000 | 39,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,785,000 | 69,874,000 | 67,482,000 | 69,121,000 |
| Interest-bearing deposits | 59,992,000 | 60,281,000 | 57,807,000 | 58,815,000 |
| Noninterest-bearing deposits | 10,793,000 | 9,593,000 | 9,675,000 | 10,306,000 |
| Equity capital | 19,992,000 | 20,843,000 | 21,132,000 | 21,016,000 |
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 | 988,000 | 1,986,000 | 2,996,000 | 4,023,000 |
| Interest expense | 130,000 | 256,000 | 382,000 | 510,000 |
| Net interest income | 858,000 | 1,730,000 | 2,614,000 | 3,513,000 |
| Noninterest income | 72,000 | 137,000 | 206,000 | 335,000 |
| Noninterest expense | 487,000 | 964,000 | 1,438,000 | 2,118,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 444,000 | 902,000 | 1,376,000 | 1,732,000 |
| Income tax | 22,000 | 45,000 | 69,000 | 95,000 |
| Net income | 422,000 | 857,000 | 1,307,000 | 1,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,318,000 | 19,630,000 | 19,956,000 | 19,669,000 |
| Total capital | 20,065,000 | 20,377,000 | 20,698,000 | 20,442,000 |
| Risk-weighted assets | 59,671,000 | 59,723,000 | 59,302,000 | 61,832,000 |