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 |
|---|---|---|
| Total assets | 12,646,000 | 11,492,000 |
| Total loans | 4,002,000 | 4,084,000 |
| Allowance for loan losses | 41,000 | 41,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 28,000 | 26,000 |
| Trading assets | 0 | 0 |
| Total deposits | 11,566,000 | 10,398,000 |
| Interest-bearing deposits | 6,363,000 | 6,009,000 |
| Noninterest-bearing deposits | 5,203,000 | 4,389,000 |
| Equity capital | 1,074,000 | 1,089,000 |
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 |
|---|---|---|
| Interest income | 66,000 | 133,000 |
| Interest expense | 5,000 | 9,000 |
| Net interest income | 61,000 | 124,000 |
| Noninterest income | 3,000 | 6,000 |
| Noninterest expense | 48,000 | 99,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 16,000 | 31,000 |
| Income tax | -2,000 | -2,000 |
| Net income | 18,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 |
|---|---|---|
| Tier 1 capital | 1,074,000 | 1,089,000 |
| Total capital | 1,115,000 | 1,130,000 |
| Risk-weighted assets | 4,716,000 | 4,543,000 |