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 | 59,551,000 | 62,761,000 | 61,524,000 | 59,881,000 |
| Total loans | 39,815,000 | 42,208,000 | 42,502,000 | 39,399,000 |
| Allowance for loan losses | 980,000 | 1,028,000 | 981,000 | 524,000 |
| Securities available for sale | 1,976,000 | 1,990,000 | 1,990,000 | 1,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,418,000 | 58,644,000 | 57,301,000 | 55,610,000 |
| Interest-bearing deposits | 45,213,000 | 49,454,000 | 47,875,000 | 44,844,000 |
| Noninterest-bearing deposits | 10,205,000 | 9,190,000 | 9,426,000 | 10,766,000 |
| Equity capital | 3,916,000 | 3,898,000 | 3,986,000 | 4,129,000 |
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 | 537,000 | 1,092,000 | 1,706,000 | 2,321,000 |
| Interest expense | 69,000 | 139,000 | 209,000 | 273,000 |
| Net interest income | 468,000 | 953,000 | 1,497,000 | 2,048,000 |
| Noninterest income | -126,000 | -71,000 | -19,000 | -103,000 |
| Noninterest expense | 726,000 | 1,455,000 | 2,222,000 | 3,085,000 |
| Provision for loan losses | 65,000 | 125,000 | 218,000 | 349,000 |
| Pretax income | -449,000 | -698,000 | -962,000 | -1,489,000 |
| Income tax | -171,000 | -268,000 | -370,000 | -445,000 |
| Net income | -278,000 | -430,000 | -592,000 | -1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,091,000 | 3,051,000 | 3,157,000 | 3,554,000 |
| Total capital | 3,664,000 | 3,652,000 | 3,766,000 | 4,078,000 |
| Risk-weighted assets | 45,410,000 | 47,628,000 | 48,312,000 | 44,243,000 |