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 | 143,893,000 | 146,299,000 | 144,059,000 | 149,740,000 |
| Total loans | 93,152,000 | 95,975,000 | 99,022,000 | 101,354,000 |
| Allowance for loan losses | 1,654,000 | 1,665,000 | 1,675,000 | 1,480,000 |
| Securities available for sale | 30,389,000 | 29,980,000 | 28,441,000 | 25,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,427,000 | 135,935,000 | 131,397,000 | 136,263,000 |
| Interest-bearing deposits | 105,368,000 | 106,372,000 | 102,854,000 | 102,303,000 |
| Noninterest-bearing deposits | 27,059,000 | 29,564,000 | 28,543,000 | 33,960,000 |
| Equity capital | 9,052,000 | 9,373,000 | 11,609,000 | 12,263,000 |
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 | 1,242,000 | 2,574,000 | 3,868,000 | 5,204,000 |
| Interest expense | 95,000 | 177,000 | 255,000 | 330,000 |
| Net interest income | 1,147,000 | 2,397,000 | 3,613,000 | 4,874,000 |
| Noninterest income | 182,000 | 332,000 | 524,000 | 731,000 |
| Noninterest expense | 1,152,000 | 2,426,000 | 3,554,000 | 4,890,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 201,000 | 330,000 | 646,000 | 964,000 |
| Income tax | -3,000 | -3,000 | -3,000 | -405,000 |
| Net income | 204,000 | 333,000 | 649,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,833,000 | 8,962,000 | 11,279,000 | 11,928,000 |
| Total capital | 9,996,000 | 10,193,000 | 12,531,000 | 13,194,000 |
| Risk-weighted assets | 92,552,000 | 98,114,000 | 99,768,000 | 101,065,000 |