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 | 92,678,000 | 97,211,000 | 96,303,000 | 98,335,000 |
| Total loans | 76,269,000 | 81,283,000 | 84,370,000 | 88,981,000 |
| Allowance for loan losses | 1,032,000 | 1,050,000 | 1,079,000 | 1,125,000 |
| Securities available for sale | 2,683,000 | 2,620,000 | 2,558,000 | 2,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,608,000 | 87,816,000 | 85,187,000 | 86,141,000 |
| Interest-bearing deposits | 59,771,000 | 64,007,000 | 58,245,000 | 56,129,000 |
| Noninterest-bearing deposits | 23,837,000 | 23,809,000 | 26,942,000 | 30,012,000 |
| Equity capital | 8,938,000 | 9,175,000 | 9,314,000 | 9,424,000 |
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 | 1,126,000 | 2,401,000 | 3,701,000 | 5,046,000 |
| Interest expense | 51,000 | 106,000 | 162,000 | 215,000 |
| Net interest income | 1,075,000 | 2,295,000 | 3,539,000 | 4,831,000 |
| Noninterest income | 69,000 | 144,000 | 230,000 | 336,000 |
| Noninterest expense | 563,000 | 1,133,000 | 1,730,000 | 2,402,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 100,000 |
| Pretax income | 566,000 | 1,276,000 | 1,984,000 | 2,665,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 566,000 | 1,276,000 | 1,984,000 | 2,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,907,000 | 9,148,000 | 9,288,000 | 9,403,000 |
| Total capital | 9,889,000 | 10,180,000 | 10,232,000 | 10,404,000 |
| Risk-weighted assets | 78,537,000 | 82,553,000 | 78,512,000 | 83,514,000 |