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 | 60,904,000 | 60,131,000 | 60,645,000 | 61,533,000 |
| Total loans | 36,701,000 | 37,935,000 | 39,984,000 | 40,067,000 |
| Allowance for loan losses | 375,000 | 411,000 | 448,000 | 455,000 |
| Securities available for sale | 15,046,000 | 14,814,000 | 13,372,000 | 13,150,000 |
| Securities held to maturity | 484,000 | 475,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,996,000 | 51,864,000 | 52,027,000 | 52,611,000 |
| Interest-bearing deposits | 44,223,000 | 43,712,000 | 44,434,000 | 44,160,000 |
| Noninterest-bearing deposits | 8,773,000 | 8,152,000 | 7,593,000 | 8,451,000 |
| Equity capital | 7,493,000 | 7,696,000 | 7,880,000 | 8,075,000 |
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 | 622,000 | 1,253,000 | 1,926,000 | 2,589,000 |
| Interest expense | 104,000 | 204,000 | 304,000 | 410,000 |
| Net interest income | 518,000 | 1,049,000 | 1,622,000 | 2,179,000 |
| Noninterest income | 34,000 | 71,000 | 118,000 | 166,000 |
| Noninterest expense | 302,000 | 618,000 | 909,000 | 1,140,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 230,000 | 453,000 | 753,000 | 1,097,000 |
| Income tax | 85,000 | 167,000 | 290,000 | 306,000 |
| Net income | 145,000 | 286,000 | 463,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,879,000 | 8,018,000 | 8,196,000 | 8,279,000 |
| Total capital | 8,254,000 | 8,429,000 | 8,644,000 | 8,734,000 |
| Risk-weighted assets | 37,101,000 | 37,213,000 | 39,877,000 | 40,350,000 |