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 | 17,730,000 | 17,961,000 | 16,696,000 | 17,267,000 |
| Total loans | 12,495,000 | 13,751,000 | 14,805,000 | 14,485,000 |
| Allowance for loan losses | 94,000 | 95,000 | 96,000 | 88,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,000 | 40,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,641,000 | 14,851,000 | 13,813,000 | 14,393,000 |
| Interest-bearing deposits | 12,505,000 | 12,816,000 | 12,107,000 | 12,862,000 |
| Noninterest-bearing deposits | 2,136,000 | 2,036,000 | 1,706,000 | 1,531,000 |
| Equity capital | 1,427,000 | 1,462,000 | 1,499,000 | 1,473,000 |
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 | 186,000 | 389,000 | 608,000 | 819,000 |
| Interest expense | 23,000 | 51,000 | 77,000 | 106,000 |
| Net interest income | 163,000 | 338,000 | 531,000 | 713,000 |
| Noninterest income | 24,000 | 49,000 | 74,000 | 97,000 |
| Noninterest expense | 144,000 | 295,000 | 462,000 | 655,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 4,000 |
| Pretax income | 43,000 | 92,000 | 142,000 | 151,000 |
| Income tax | 14,000 | 27,000 | 40,000 | 53,000 |
| Net income | 29,000 | 65,000 | 102,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,427,000 | 1,462,000 | 1,499,000 | 1,473,000 |
| Total capital | 1,521,000 | 1,557,000 | 1,595,000 | 1,561,000 |
| Risk-weighted assets | 9,452,000 | 10,834,000 | 10,894,000 | 10,699,000 |