Call reports 2022
CITIZENS STATE BANK OF LOYAL — 2022
What CITIZENS STATE BANK OF LOYAL 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 | 282,494,000 | 276,884,000 | 262,213,000 | 269,358,000 |
| Total loans | 125,908,000 | 126,144,000 | 130,948,000 | 134,891,000 |
| Allowance for loan losses | 2,097,000 | 2,093,000 | 2,092,000 | 2,087,000 |
| Securities available for sale | 89,654,000 | 99,868,000 | 95,850,000 | 97,367,000 |
| Securities held to maturity | 4,977,000 | 4,977,000 | 4,978,000 | 5,478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,228,000 | 244,847,000 | 232,852,000 | 233,773,000 |
| Interest-bearing deposits | 193,140,000 | 193,647,000 | 182,967,000 | 182,988,000 |
| Noninterest-bearing deposits | 50,088,000 | 51,200,000 | 49,885,000 | 50,785,000 |
| Equity capital | 26,277,000 | 23,983,000 | 21,294,000 | 23,435,000 |
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 | 1,875,000 | 3,936,000 | 6,138,000 | 8,430,000 |
| Interest expense | 201,000 | 433,000 | 761,000 | 1,249,000 |
| Net interest income | 1,674,000 | 3,503,000 | 5,377,000 | 7,181,000 |
| Noninterest income | 335,000 | 663,000 | 963,000 | 1,269,000 |
| Noninterest expense | 1,410,000 | 2,807,000 | 4,187,000 | 5,598,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 725,000 | 1,485,000 | 2,279,000 | 2,994,000 |
| Income tax | 102,000 | 210,000 | 327,000 | 427,000 |
| Net income | 623,000 | 1,275,000 | 1,952,000 | 2,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,834,000 | 30,687,000 | 30,863,000 | 30,978,000 |
| Total capital | 32,931,000 | 32,780,000 | 32,955,000 | 33,065,000 |
| Risk-weighted assets | 186,129,000 | 189,637,000 | 194,194,000 | 196,922,000 |