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 | 209,193,000 | 227,670,000 | 220,437,000 | 227,651,000 |
| Total loans | 74,577,000 | 76,214,000 | 77,738,000 | 78,960,000 |
| Allowance for loan losses | 857,000 | 881,000 | 889,000 | 885,000 |
| Securities available for sale | 119,783,000 | 124,796,000 | 127,736,000 | 133,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,398,000 | 202,793,000 | 195,520,000 | 201,815,000 |
| Interest-bearing deposits | 124,544,000 | 127,852,000 | 127,311,000 | 129,864,000 |
| Noninterest-bearing deposits | 60,854,000 | 74,941,000 | 68,209,000 | 71,951,000 |
| Equity capital | 22,117,000 | 22,874,000 | 23,166,000 | 23,400,000 |
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 | 1,743,000 | 3,520,000 | 5,331,000 | 7,179,000 |
| Interest expense | 164,000 | 332,000 | 498,000 | 669,000 |
| Net interest income | 1,579,000 | 3,188,000 | 4,833,000 | 6,510,000 |
| Noninterest income | 199,000 | 382,000 | 590,000 | 807,000 |
| Noninterest expense | 1,056,000 | 2,118,000 | 3,195,000 | 4,276,000 |
| Provision for loan losses | 23,000 | 51,000 | 79,000 | 89,000 |
| Pretax income | 841,000 | 1,666,000 | 2,479,000 | 3,305,000 |
| Income tax | 141,000 | 282,000 | 415,000 | 549,000 |
| Net income | 700,000 | 1,384,000 | 2,064,000 | 2,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,242,000 | 22,525,000 | 23,205,000 | 22,935,000 |
| Total capital | 23,099,000 | 23,406,000 | 24,094,000 | 23,820,000 |
| Risk-weighted assets | 92,315,000 | 95,743,000 | 95,996,000 | 97,002,000 |