Call reports 2022
CITIZENS STATE BANK — 2022
What CITIZENS STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,299,781,000 | 1,223,132,000 | 1,167,313,000 | 1,210,973,000 |
| Total loans | 267,270,000 | 285,249,000 | 283,612,000 | 283,096,000 |
| Allowance for loan losses | 4,356,000 | 4,355,000 | 4,346,000 | 4,344,000 |
| Securities available for sale | 962,652,000 | 879,404,000 | 793,209,000 | 794,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,222,664,000 | 1,205,642,000 | 1,223,631,000 | 1,249,565,000 |
| Interest-bearing deposits | 1,016,442,000 | 985,035,000 | 1,003,343,000 | 994,474,000 |
| Noninterest-bearing deposits | 206,222,000 | 220,606,000 | 220,288,000 | 255,091,000 |
| Equity capital | 73,446,000 | -16,405,000 | -60,970,000 | -44,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 9,515,000 | 19,648,000 | 30,068,000 | 40,639,000 |
| Interest expense | 1,818,000 | 3,692,000 | 6,244,000 | 9,599,000 |
| Net interest income | 7,697,000 | 15,956,000 | 23,824,000 | 31,040,000 |
| Noninterest income | 1,013,000 | 1,785,000 | 2,644,000 | 3,475,000 |
| Noninterest expense | 4,479,000 | 9,098,000 | 13,900,000 | 18,740,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,243,000 | 8,674,000 | 12,707,000 | 15,784,000 |
| Income tax | 0 | -300,000 | -423,000 | -114,000 |
| Net income | 4,243,000 | 8,974,000 | 13,130,000 | 15,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,294,000 | 151,101,000 | 152,996,000 | 155,963,000 |
| Total capital | 150,650,000 | 155,456,000 | 157,342,000 | 160,307,000 |
| Risk-weighted assets | 614,925,000 | 622,621,000 | 617,331,000 | 601,851,000 |