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 | 21,590,000 | 21,200,000 | 19,740,000 | 19,336,000 |
| Total loans | 10,898,000 | 9,289,000 | 9,052,000 | 7,938,000 |
| Allowance for loan losses | 404,000 | 155,000 | 156,000 | 153,000 |
| Securities available for sale | 5,723,000 | 6,221,000 | 6,173,000 | 5,652,000 |
| Securities held to maturity | 1,882,000 | 1,822,000 | 1,754,000 | 1,693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,478,000 | 18,389,000 | 16,840,000 | 16,391,000 |
| Interest-bearing deposits | 13,987,000 | 13,754,000 | 12,038,000 | 10,865,000 |
| Noninterest-bearing deposits | 4,491,000 | 4,636,000 | 4,802,000 | 5,526,000 |
| Equity capital | 3,092,000 | 2,786,000 | 2,880,000 | 2,930,000 |
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 | 210,000 | 401,000 | 594,000 | 767,000 |
| Interest expense | 27,000 | 50,000 | 72,000 | 90,000 |
| Net interest income | 183,000 | 351,000 | 522,000 | 677,000 |
| Noninterest income | 31,000 | 70,000 | 104,000 | 133,000 |
| Noninterest expense | 186,000 | 350,000 | 502,000 | 663,000 |
| Provision for loan losses | 0 | -250,000 | -250,000 | -250,000 |
| Pretax income | 28,000 | 321,000 | 374,000 | 390,000 |
| Income tax | 103,000 | 103,000 | 67,000 | 67,000 |
| Net income | -75,000 | 218,000 | 307,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,606,000 | 2,250,000 | 2,338,000 | 2,355,000 |
| Total capital | 2,748,000 | 2,379,000 | 2,461,000 | 2,463,000 |
| Risk-weighted assets | 11,378,000 | 10,293,000 | 9,786,000 | 8,626,000 |