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 |
|---|---|---|---|
| Total assets | 44,373,000 | 43,252,000 | 41,424,000 |
| Total loans | 9,535,000 | 8,379,000 | 8,440,000 |
| Allowance for loan losses | 271,000 | 274,000 | 279,000 |
| Securities available for sale | 28,636,000 | 28,276,000 | 27,196,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 30,246,000 | 31,238,000 | 30,979,000 |
| Interest-bearing deposits | 23,183,000 | 23,135,000 | 22,693,000 |
| Noninterest-bearing deposits | 7,063,000 | 8,103,000 | 8,286,000 |
| Equity capital | 9,060,000 | 9,486,000 | 9,507,000 |
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 |
|---|---|---|---|
| Interest income | 260,000 | 512,000 | 731,000 |
| Interest expense | 40,000 | 78,000 | 114,000 |
| Net interest income | 220,000 | 434,000 | 617,000 |
| Noninterest income | 60,000 | 128,000 | 196,000 |
| Noninterest expense | 242,000 | 474,000 | 712,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 68,000 | 118,000 | 131,000 |
| Income tax | 11,000 | 24,000 | 29,000 |
| Net income | 57,000 | 94,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Tier 1 capital | 5,565,000 | 5,602,000 | 5,609,000 |
| Total capital | 5,761,000 | 5,781,000 | 5,779,000 |
| Risk-weighted assets | 15,595,000 | 14,241,000 | 13,517,000 |