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 | 124,745,000 | 142,552,000 | 133,208,000 | 142,791,000 |
| Total loans | 68,813,000 | 81,823,000 | 77,469,000 | 81,879,000 |
| Allowance for loan losses | 1,206,000 | 956,000 | 897,000 | 921,000 |
| Securities available for sale | 40,625,000 | 49,307,000 | 46,107,000 | 50,796,000 |
| Securities held to maturity | 0 | 372,000 | 372,000 | 372,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,494,000 | 114,932,000 | 119,337,000 | 127,033,000 |
| Interest-bearing deposits | 88,356,000 | 89,990,000 | 93,736,000 | 99,095,000 |
| Noninterest-bearing deposits | 24,138,000 | 24,943,000 | 25,601,000 | 27,938,000 |
| Equity capital | 11,821,000 | 12,012,000 | 11,992,000 | 12,047,000 |
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 | 1,439,000 | 2,931,000 | 4,409,000 | 5,879,000 |
| Interest expense | 99,000 | 199,000 | 310,000 | 417,000 |
| Net interest income | 1,340,000 | 2,732,000 | 4,099,000 | 5,462,000 |
| Noninterest income | 274,000 | 556,000 | 842,000 | 1,147,000 |
| Noninterest expense | 1,337,000 | 2,746,000 | 4,207,000 | 5,751,000 |
| Provision for loan losses | 60,000 | 90,000 | 120,000 | 150,000 |
| Pretax income | 272,000 | 554,000 | 802,000 | 946,000 |
| Income tax | 59,000 | 128,000 | 185,000 | 207,000 |
| Net income | 213,000 | 426,000 | 617,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,644,000 | 11,639,000 | 11,615,000 | 11,596,000 |
| Total capital | 12,630,000 | 12,595,000 | 12,512,000 | 12,517,000 |
| Risk-weighted assets | 78,635,000 | 87,694,000 | 84,475,000 | 88,464,000 |