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 | 482,570,000 | 479,708,000 | 474,258,000 | 489,452,000 |
| Total loans | 215,458,000 | 223,128,000 | 228,506,000 | 242,823,000 |
| Allowance for loan losses | 3,670,000 | 3,673,000 | 2,497,000 | 2,272,000 |
| Securities available for sale | 238,339,000 | 224,421,000 | 121,301,000 | 119,398,000 |
| Securities held to maturity | 0 | 0 | 91,155,000 | 91,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,161,000 | 455,079,000 | 434,154,000 | 451,396,000 |
| Interest-bearing deposits | 359,336,000 | 372,746,000 | 349,245,000 | 369,981,000 |
| Noninterest-bearing deposits | 74,825,000 | 82,333,000 | 84,909,000 | 81,415,000 |
| Equity capital | 27,742,000 | 7,775,000 | 8,723,000 | 15,009,000 |
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 | 3,797,000 | 7,841,000 | 11,876,000 | 16,201,000 |
| Interest expense | 576,000 | 1,197,000 | 1,962,000 | 3,183,000 |
| Net interest income | 3,221,000 | 6,644,000 | 9,914,000 | 13,018,000 |
| Noninterest income | 908,000 | 1,819,000 | 2,588,000 | 3,424,000 |
| Noninterest expense | 2,534,000 | 4,984,000 | 7,706,000 | 10,145,000 |
| Provision for loan losses | 0 | 0 | -1,175,000 | -1,400,000 |
| Pretax income | 1,602,000 | 3,359,000 | 5,502,000 | 6,957,000 |
| Income tax | 92,000 | 172,000 | 252,000 | 323,000 |
| Net income | 1,510,000 | 3,187,000 | 5,250,000 | 6,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,624,000 | 53,498,000 | 55,740,000 | 57,303,000 |