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 |
|---|---|---|---|
| Total assets | 150,084,000 | 144,326,000 | 145,298,000 |
| Total loans | 86,720,000 | 86,863,000 | 89,858,000 |
| Allowance for loan losses | 1,543,000 | 1,550,000 | 1,552,000 |
| Securities available for sale | 44,641,000 | 47,079,000 | 47,022,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 132,046,000 | 125,911,000 | 125,851,000 |
| Interest-bearing deposits | 108,512,000 | 105,090,000 | 102,925,000 |
| Noninterest-bearing deposits | 23,534,000 | 20,821,000 | 22,926,000 |
| Equity capital | 15,953,000 | 16,399,000 | 16,618,000 |
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 |
|---|---|---|---|
| Interest income | 1,316,000 | 2,654,000 | 4,004,000 |
| Interest expense | 112,000 | 223,000 | 333,000 |
| Net interest income | 1,204,000 | 2,431,000 | 3,671,000 |
| Noninterest income | 88,000 | 212,000 | 318,000 |
| Noninterest expense | 782,000 | 1,527,000 | 2,243,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 552,000 | 1,158,000 | 1,798,000 |
| Income tax | 149,000 | 306,000 | 476,000 |
| Net income | 403,000 | 852,000 | 1,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Tier 1 capital | 15,835,000 | 16,058,000 | 16,303,000 |
| Total capital | 17,182,000 | 17,402,000 | 17,672,000 |
| Risk-weighted assets | 107,536,000 | 107,310,000 | 109,387,000 |