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 | 484,442,000 | 493,061,000 | 490,781,000 | 521,769,000 |
| Total loans | 238,212,000 | 239,675,000 | 243,960,000 | 262,651,000 |
| Allowance for loan losses | 2,272,000 | 2,271,000 | 2,276,000 | 2,275,000 |
| Securities available for sale | 122,236,000 | 123,218,000 | 116,202,000 | 122,046,000 |
| Securities held to maturity | 92,360,000 | 92,961,000 | 93,569,000 | 94,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,687,000 | 452,361,000 | 456,781,000 | 460,459,000 |
| Interest-bearing deposits | 365,797,000 | 371,969,000 | 377,695,000 | 380,717,000 |
| Noninterest-bearing deposits | 72,890,000 | 80,392,000 | 79,086,000 | 79,742,000 |
| Equity capital | 18,860,000 | 18,113,000 | 11,143,000 | 22,076,000 |
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 | 4,554,000 | 9,434,000 | 14,520,000 | 20,023,000 |
| Interest expense | 1,921,000 | 4,233,000 | 6,782,000 | 9,688,000 |
| Net interest income | 2,633,000 | 5,201,000 | 7,738,000 | 10,335,000 |
| Noninterest income | 922,000 | 1,832,000 | 2,676,000 | 3,612,000 |
| Noninterest expense | 2,649,000 | 5,432,000 | 8,309,000 | 11,259,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 906,000 | 1,601,000 | 2,105,000 | 1,558,000 |
| Income tax | 0 | 33,000 | 104,000 | 174,000 |
| Net income | 906,000 | 1,568,000 | 2,001,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,388,000 | 58,167,000 | 58,523,000 | 58,093,000 |