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 | 223,338,000 | 229,062,000 | 230,095,000 | 235,698,000 |
| Total loans | 158,025,000 | 156,920,000 | 158,702,000 | 167,724,000 |
| Allowance for loan losses | 2,059,000 | 2,061,000 | 1,949,000 | 1,947,000 |
| Securities available for sale | 49,188,000 | 51,773,000 | 51,764,000 | 49,512,000 |
| Securities held to maturity | 1,062,000 | 1,061,000 | 2,053,000 | 1,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,126,000 | 196,099,000 | 194,252,000 | 193,665,000 |
| Interest-bearing deposits | 167,377,000 | 175,004,000 | 173,202,000 | 168,597,000 |
| Noninterest-bearing deposits | 20,749,000 | 21,095,000 | 21,050,000 | 25,068,000 |
| Equity capital | 25,662,000 | 26,170,000 | 26,667,000 | 27,481,000 |
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 | 2,324,000 | 4,641,000 | 6,975,000 | 9,275,000 |
| Interest expense | 321,000 | 622,000 | 899,000 | 1,160,000 |
| Net interest income | 2,003,000 | 4,019,000 | 6,076,000 | 8,115,000 |
| Noninterest income | 264,000 | 570,000 | 876,000 | 1,152,000 |
| Noninterest expense | 1,355,000 | 2,710,000 | 4,103,000 | 5,604,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 913,000 | 1,850,000 | 2,790,000 | 3,575,000 |
| Income tax | 11,000 | 23,000 | 35,000 | 50,000 |
| Net income | 902,000 | 1,827,000 | 2,755,000 | 3,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,342,000 | 23,441,000 | 23,960,000 | 24,729,000 |
| Total capital | 25,401,000 | 25,502,000 | 25,909,000 | 26,676,000 |
| Risk-weighted assets | 168,515,000 | 167,472,000 | 169,945,000 | 177,427,000 |