Call reports 2024
CITIZENS STATE BANK — 2024
What CITIZENS STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,412,281,000 | 1,354,130,000 | 1,341,525,000 | 1,130,700,000 |
| Total loans | 274,660,000 | 280,995,000 | 270,672,000 | 259,899,000 |
| Allowance for loan losses | 3,922,000 | 3,911,000 | 3,856,000 | 3,833,000 |
| Securities available for sale | 734,552,000 | 714,400,000 | 714,718,000 | 662,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,267,180,000 | 1,212,321,000 | 1,171,143,000 | 1,163,105,000 |
| Interest-bearing deposits | 1,052,808,000 | 1,002,505,000 | 967,527,000 | 951,467,000 |
| Noninterest-bearing deposits | 214,372,000 | 209,816,000 | 203,616,000 | 211,638,000 |
| Equity capital | -33,426,000 | -38,132,000 | -8,900,000 | -43,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 14,231,000 | 29,062,000 | 43,332,000 | 56,502,000 |
| Interest expense | 9,719,000 | 20,365,000 | 30,616,000 | 39,894,000 |
| Net interest income | 4,512,000 | 8,697,000 | 12,716,000 | 16,608,000 |
| Noninterest income | 819,000 | 1,662,000 | 2,563,000 | 3,424,000 |
| Noninterest expense | 4,929,000 | 10,087,000 | 15,422,000 | 20,504,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 320,000 | -181,000 | -1,245,000 | -1,775,000 |
| Income tax | 0 | 0 | 0 | -879,000 |
| Net income | 320,000 | -181,000 | -1,245,000 | -896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 162,773,000 | 162,347,000 | 161,359,000 | 161,784,000 |
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