Call reports 2014
CITIZENS STATE BANK OF ROSEAU — 2014
What CITIZENS STATE BANK OF ROSEAU 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 | 208,451,000 | 212,831,000 | 205,091,000 | 208,128,000 |
| Total loans | 86,684,000 | 89,039,000 | 90,819,000 | 96,735,000 |
| Allowance for loan losses | 1,481,000 | 1,406,000 | 1,436,000 | 1,425,000 |
| Securities available for sale | 104,847,000 | 107,707,000 | 97,591,000 | 89,969,000 |
| Securities held to maturity | 7,740,000 | 9,014,000 | 9,965,000 | 11,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,990,000 | 181,361,000 | 176,906,000 | 179,338,000 |
| Interest-bearing deposits | 146,189,000 | 145,676,000 | 145,875,000 | 148,130,000 |
| Noninterest-bearing deposits | 35,801,000 | 35,685,000 | 31,031,000 | 31,208,000 |
| Equity capital | 24,328,000 | 25,778,000 | 26,034,000 | 27,189,000 |
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 | 1,682,000 | 3,411,000 | 5,157,000 | 6,922,000 |
| Interest expense | 160,000 | 322,000 | 486,000 | 649,000 |
| Net interest income | 1,522,000 | 3,089,000 | 4,671,000 | 6,273,000 |
| Noninterest income | 187,000 | 428,000 | 676,000 | 949,000 |
| Noninterest expense | 996,000 | 1,965,000 | 3,035,000 | 4,094,000 |
| Provision for loan losses | 32,000 | 63,000 | 96,000 | 157,000 |
| Pretax income | 673,000 | 1,484,000 | 2,279,000 | 3,053,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 672,000 | 1,483,000 | 2,277,000 | 3,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,056,000 | 25,282,000 | 25,751,000 | 26,100,000 |
| Total capital | 26,537,000 | 26,688,000 | 27,187,000 | 27,525,000 |
| Risk-weighted assets | 121,379,000 | 125,665,000 | 126,832,000 | 129,193,000 |