Call reports 2014
COMMUNITY STATE BANK — 2014
What COMMUNITY 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 | 18,251,000 | 18,185,000 | 18,261,000 | 18,107,000 |
| Total loans | 9,974,000 | 9,618,000 | 12,252,000 | 12,972,000 |
| Allowance for loan losses | 372,000 | 374,000 | 376,000 | 379,000 |
| Securities available for sale | 1,882,000 | 1,600,000 | 1,586,000 | 1,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,249,000 | 14,560,000 | 13,636,000 | 13,020,000 |
| Interest-bearing deposits | 10,859,000 | 10,719,000 | 10,083,000 | 9,094,000 |
| Noninterest-bearing deposits | 3,390,000 | 3,842,000 | 3,552,000 | 3,926,000 |
| Equity capital | 1,570,000 | 1,579,000 | 1,536,000 | 1,541,000 |
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 | 101,000 | 208,000 | 327,000 | 461,000 |
| Interest expense | 11,000 | 21,000 | 32,000 | 42,000 |
| Net interest income | 90,000 | 187,000 | 295,000 | 419,000 |
| Noninterest income | 30,000 | 35,000 | 41,000 | 46,000 |
| Noninterest expense | 127,000 | 246,000 | 361,000 | 471,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | -7,000 | -24,000 | -25,000 | -9,000 |
| Income tax | -8,000 | -35,000 | 10,000 | 20,000 |
| Net income | 1,000 | 11,000 | -35,000 | -29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,574,000 | 1,579,000 | 1,536,000 | 1,541,000 |
| Total capital | 1,717,000 | 1,712,000 | 1,698,000 | 1,712,000 |
| Risk-weighted assets | 11,156,000 | 10,379,000 | 12,723,000 | 13,398,000 |