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 | 37,700,000 | 37,387,000 | 38,046,000 | 39,414,000 |
| Total loans | 26,431,000 | 27,656,000 | 28,692,000 | 30,314,000 |
| Allowance for loan losses | 316,000 | 316,000 | 316,000 | 254,000 |
| Securities available for sale | 3,279,000 | 3,274,000 | 3,173,000 | 3,096,000 |
| Securities held to maturity | 2,038,000 | 1,938,000 | 1,736,000 | 1,734,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,185,000 | 31,786,000 | 31,387,000 | 31,512,000 |
| Interest-bearing deposits | 25,509,000 | 24,438,000 | 24,306,000 | 24,344,000 |
| Noninterest-bearing deposits | 7,676,000 | 7,348,000 | 7,081,000 | 7,168,000 |
| Equity capital | 3,001,000 | 3,071,000 | 3,148,000 | 3,121,000 |
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 | 320,000 | 659,000 | 1,010,000 | 1,378,000 |
| Interest expense | 34,000 | 69,000 | 104,000 | 140,000 |
| Net interest income | 286,000 | 590,000 | 906,000 | 1,238,000 |
| Noninterest income | 23,000 | 55,000 | 104,000 | 138,000 |
| Noninterest expense | 272,000 | 564,000 | 847,000 | 1,168,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 83,000 | 165,000 | 210,000 |
| Income tax | 2,000 | 4,000 | 8,000 | 9,000 |
| Net income | 35,000 | 79,000 | 157,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,028,000 | 3,073,000 | 3,151,000 | 3,095,000 |
| Total capital | 3,343,000 | 3,389,000 | 3,467,000 | 3,349,000 |
| Risk-weighted assets | 25,222,000 | 25,429,000 | 26,015,000 | 27,630,000 |