Call reports 2022
CITIZENS STATE BANK, THE — 2022
What CITIZENS STATE BANK, THE 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 | 327,829,000 | 317,554,000 | 309,026,000 | 323,616,000 |
| Total loans | 148,916,000 | 152,060,000 | 146,600,000 | 159,504,000 |
| Allowance for loan losses | 1,809,000 | 1,809,000 | 1,809,000 | 1,813,000 |
| Securities available for sale | 104,102,000 | 104,444,000 | 108,299,000 | 109,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,073,000 | 291,117,000 | 284,095,000 | 298,152,000 |
| Interest-bearing deposits | 205,736,000 | 205,349,000 | 196,918,000 | 209,136,000 |
| Noninterest-bearing deposits | 92,337,000 | 85,768,000 | 87,178,000 | 89,016,000 |
| Equity capital | 26,110,000 | 24,392,000 | 22,827,000 | 23,339,000 |
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 | 2,496,000 | 5,158,000 | 7,736,000 | 10,582,000 |
| Interest expense | 124,000 | 267,000 | 519,000 | 898,000 |
| Net interest income | 2,372,000 | 4,891,000 | 7,217,000 | 9,684,000 |
| Noninterest income | 326,000 | 654,000 | 1,006,000 | 1,422,000 |
| Noninterest expense | 1,733,000 | 3,408,000 | 5,091,000 | 7,296,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 969,000 | 2,122,000 | 3,127,000 | 3,804,000 |
| Income tax | 219,000 | 484,000 | 714,000 | 783,000 |
| Net income | 750,000 | 1,638,000 | 2,413,000 | 3,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,433,000 | 28,046,000 | 28,511,000 | 28,824,000 |
| Total capital | — | — | 30,320,000 | 30,637,000 |
| Risk-weighted assets | — | — | 162,076,000 | 174,219,000 |