Call reports 2014
CUSTER FEDERAL STATE BANK — 2014
What CUSTER FEDERAL 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 | 95,057,000 | 98,643,000 | 103,191,000 | 104,264,000 |
| Total loans | 73,103,000 | 78,792,000 | 84,251,000 | 85,734,000 |
| Allowance for loan losses | 732,000 | 700,000 | 756,000 | 825,000 |
| Securities available for sale | 2,054,000 | 1,998,000 | 643,000 | 616,000 |
| Securities held to maturity | 13,123,000 | 12,419,000 | 11,793,000 | 11,204,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,335,000 | 76,433,000 | 78,816,000 | 82,776,000 |
| Interest-bearing deposits | 72,964,000 | 72,359,000 | 75,118,000 | 76,598,000 |
| Noninterest-bearing deposits | 3,371,000 | 4,074,000 | 3,698,000 | 6,178,000 |
| Equity capital | 8,461,000 | 8,636,000 | 8,801,000 | 9,008,000 |
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 | 1,016,000 | 2,069,000 | 3,226,000 | 4,454,000 |
| Interest expense | 234,000 | 473,000 | 726,000 | 987,000 |
| Net interest income | 782,000 | 1,596,000 | 2,500,000 | 3,467,000 |
| Noninterest income | 33,000 | 80,000 | 126,000 | 168,000 |
| Noninterest expense | 452,000 | 937,000 | 1,502,000 | 2,057,000 |
| Provision for loan losses | 100,000 | 153,000 | 213,000 | 282,000 |
| Pretax income | 263,000 | 586,000 | 929,000 | 1,314,000 |
| Income tax | 96,000 | 212,000 | 326,000 | 461,000 |
| Net income | 167,000 | 374,000 | 603,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,428,000 | 8,603,000 | 8,789,000 | 8,994,000 |
| Total capital | 9,177,000 | 9,310,000 | 9,552,000 | 9,827,000 |
| Risk-weighted assets | 70,156,000 | 75,217,000 | 81,075,000 | 82,244,000 |