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 | 184,758,000 | 179,135,000 | 176,067,000 | 177,757,000 |
| Total loans | 90,511,000 | 91,810,000 | 99,914,000 | 102,325,000 |
| Allowance for loan losses | 1,369,000 | 1,369,000 | 1,369,000 | 1,368,000 |
| Securities available for sale | 36,652,000 | 40,944,000 | 39,875,000 | 40,334,000 |
| Securities held to maturity | 21,582,000 | 22,614,000 | 23,434,000 | 23,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,595,000 | 162,021,000 | 159,922,000 | 157,860,000 |
| Interest-bearing deposits | 119,939,000 | 119,449,000 | 118,132,000 | 108,917,000 |
| Noninterest-bearing deposits | 46,655,000 | 42,572,000 | 41,790,000 | 48,944,000 |
| Equity capital | 17,983,000 | 16,901,000 | 15,850,000 | 16,796,000 |
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 | 1,114,000 | 2,347,000 | 3,730,000 | 5,218,000 |
| Interest expense | 100,000 | 205,000 | 359,000 | 585,000 |
| Net interest income | 1,014,000 | 2,142,000 | 3,371,000 | 4,633,000 |
| Noninterest income | 96,000 | 280,000 | 351,000 | 615,000 |
| Noninterest expense | 704,000 | 1,417,000 | 2,122,000 | 2,972,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 402,000 | 995,000 | 1,590,000 | 2,271,000 |
| Income tax | 20,000 | 50,000 | 80,000 | 110,000 |
| Net income | 382,000 | 945,000 | 1,510,000 | 2,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,005,000 | 19,199,000 | 19,510,000 | 19,498,000 |