Call reports 2023
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2023
What CITIZENS STATE BANK AND TRUST COMPANY, THE 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 | 68,900,000 | 68,514,000 | 67,722,000 | 70,176,000 |
| Total loans | 55,231,000 | 56,769,000 | 55,634,000 | 57,470,000 |
| Allowance for loan losses | 563,000 | 578,000 | 593,000 | 545,000 |
| Securities available for sale | 4,376,000 | 3,871,000 | 2,888,000 | 1,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,128,000 | 57,842,000 | 56,851,000 | 59,138,000 |
| Interest-bearing deposits | 45,299,000 | 45,413,000 | 45,297,000 | 46,913,000 |
| Noninterest-bearing deposits | 11,829,000 | 12,429,000 | 11,554,000 | 12,225,000 |
| Equity capital | 5,629,000 | 5,530,000 | 5,678,000 | 5,705,000 |
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 | 909,000 | 1,917,000 | 2,998,000 | 4,174,000 |
| Interest expense | 140,000 | 344,000 | 643,000 | 990,000 |
| Net interest income | 769,000 | 1,573,000 | 2,355,000 | 3,184,000 |
| Noninterest income | 92,000 | 114,000 | 134,000 | 151,000 |
| Noninterest expense | 481,000 | 1,011,000 | 1,520,000 | 2,144,000 |
| Provision for loan losses | 83,000 | 98,000 | 113,000 | 128,000 |
| Pretax income | 297,000 | 578,000 | 856,000 | 1,063,000 |
| Income tax | 16,000 | 16,000 | 19,000 | 29,000 |
| Net income | 281,000 | 562,000 | 837,000 | 1,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,658,000 | 5,545,000 | 5,676,000 | 5,679,000 |
| Total capital | 6,221,000 | 6,123,000 | 6,269,000 | 6,224,000 |
| Risk-weighted assets | 55,303,000 | 56,591,000 | 56,302,000 | 58,751,000 |