Call reports 2014
CITIZENS STATE BANK OF NEW CASTLE — 2014
What CITIZENS STATE BANK OF NEW CASTLE 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 | 425,125,000 | 432,360,000 | 443,234,000 | 452,109,000 |
| Total loans | 215,859,000 | 237,356,000 | 255,602,000 | 271,554,000 |
| Allowance for loan losses | 4,177,000 | 4,010,000 | 4,118,000 | 3,919,000 |
| Securities available for sale | 129,213,000 | 128,055,000 | 116,120,000 | 114,841,000 |
| Securities held to maturity | 17,648,000 | 15,624,000 | 14,806,000 | 14,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,346,000 | 383,924,000 | 388,621,000 | 402,443,000 |
| Interest-bearing deposits | 367,819,000 | 368,221,000 | 372,308,000 | 385,842,000 |
| Noninterest-bearing deposits | 15,527,000 | 15,703,000 | 16,313,000 | 16,601,000 |
| Equity capital | 38,504,000 | 39,466,000 | 39,394,000 | 40,226,000 |
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 | 3,688,000 | 7,569,000 | 11,732,000 | 15,907,000 |
| Interest expense | 203,000 | 402,000 | 607,000 | 817,000 |
| Net interest income | 3,485,000 | 7,167,000 | 11,125,000 | 15,090,000 |
| Noninterest income | 887,000 | 2,099,000 | 3,061,000 | 3,966,000 |
| Noninterest expense | 3,453,000 | 6,997,000 | 10,769,000 | 14,452,000 |
| Provision for loan losses | 152,000 | 315,000 | 498,000 | 621,000 |
| Pretax income | 762,000 | 1,949,000 | 2,915,000 | 3,979,000 |
| Income tax | 272,000 | 540,000 | 937,000 | 1,377,000 |
| Net income | 490,000 | 1,409,000 | 1,978,000 | 2,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,937,000 | 39,533,000 | 39,780,000 | 40,081,000 |
| Total capital | 42,039,000 | 42,846,000 | 43,306,000 | 43,719,000 |
| Risk-weighted assets | 238,777,000 | 256,510,000 | 273,432,000 | 281,026,000 |