Call reports 2014
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2014
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 114,843,000 | 111,674,000 | 110,566,000 | 120,102,000 |
| Total loans | 55,358,000 | 55,611,000 | 56,592,000 | 58,431,000 |
| Allowance for loan losses | 822,000 | 783,000 | 773,000 | 786,000 |
| Securities available for sale | 51,823,000 | 50,628,000 | 48,461,000 | 47,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,058,000 | 93,105,000 | 91,817,000 | 101,326,000 |
| Interest-bearing deposits | 77,580,000 | 76,348,000 | 73,598,000 | 79,380,000 |
| Noninterest-bearing deposits | 19,478,000 | 16,757,000 | 18,218,000 | 21,946,000 |
| Equity capital | 9,218,000 | 9,903,000 | 9,929,000 | 10,278,000 |
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 | 1,027,000 | 2,064,000 | 3,115,000 | 4,146,000 |
| Interest expense | 123,000 | 260,000 | 402,000 | 561,000 |
| Net interest income | 904,000 | 1,804,000 | 2,713,000 | 3,585,000 |
| Noninterest income | 244,000 | 499,000 | 801,000 | 1,094,000 |
| Noninterest expense | 784,000 | 1,580,000 | 2,362,000 | 3,202,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 410,000 | 808,000 | 1,237,000 | 1,532,000 |
| Income tax | 17,000 | 36,000 | 54,000 | 64,000 |
| Net income | 393,000 | 772,000 | 1,183,000 | 1,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,893,000 | 10,015,000 | 10,168,000 | 10,071,000 |
| Total capital | 10,703,000 | 10,798,000 | 10,941,000 | 10,857,000 |
| Risk-weighted assets | 64,823,000 | 64,540,000 | 64,643,000 | 67,941,000 |