Call reports 2023
CITIZENS STATE BANK — 2023
What CITIZENS STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 173,358,000 | 173,876,000 | 180,715,000 | 184,155,000 |
| Total loans | 99,387,000 | 101,698,000 | 108,203,000 | 112,933,000 |
| Allowance for loan losses | 1,368,000 | 1,310,000 | 1,310,000 | 1,310,000 |
| Securities available for sale | 40,429,000 | 39,639,000 | 38,590,000 | 38,482,000 |
| Securities held to maturity | 22,693,000 | 22,653,000 | 22,616,000 | 22,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,406,000 | 151,057,000 | 148,062,000 | 155,570,000 |
| Interest-bearing deposits | 111,765,000 | 110,428,000 | 108,828,000 | 114,669,000 |
| Noninterest-bearing deposits | 41,641,000 | 40,630,000 | 39,234,000 | 40,901,000 |
| Equity capital | 17,524,000 | 17,385,000 | 17,124,000 | 18,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,489,000 | 3,064,000 | 4,753,000 | 6,560,000 |
| Interest expense | 334,000 | 797,000 | 1,414,000 | 2,114,000 |
| Net interest income | 1,155,000 | 2,267,000 | 3,339,000 | 4,446,000 |
| Noninterest income | 140,000 | 243,000 | 366,000 | 732,000 |
| Noninterest expense | 776,000 | 1,540,000 | 2,327,000 | 3,176,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 525,000 | 981,000 | 1,395,000 | 2,032,000 |
| Income tax | 25,000 | 46,000 | 66,000 | 93,000 |
| Net income | 500,000 | 935,000 | 1,329,000 | 1,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,711,000 | 19,861,000 | 20,120,000 | 20,593,000 |