Call reports 2023
CITIZENS STATE BANK OF LOYAL — 2023
What CITIZENS STATE BANK OF LOYAL 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 | 268,765,000 | 270,266,000 | 274,297,000 | 286,936,000 |
| Total loans | 138,304,000 | 143,152,000 | 150,663,000 | 154,189,000 |
| Allowance for loan losses | 2,065,000 | 2,084,000 | 2,132,000 | 2,162,000 |
| Securities available for sale | 97,677,000 | 94,213,000 | 90,463,000 | 95,970,000 |
| Securities held to maturity | 5,479,000 | 5,479,000 | 5,430,000 | 5,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,479,000 | 223,760,000 | 225,001,000 | 228,597,000 |
| Interest-bearing deposits | 182,584,000 | 180,329,000 | 182,117,000 | 185,159,000 |
| Noninterest-bearing deposits | 43,895,000 | 43,431,000 | 42,884,000 | 43,438,000 |
| Equity capital | 25,144,000 | 24,149,000 | 21,905,000 | 25,987,000 |
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 | 2,305,000 | 4,783,000 | 7,437,000 | 10,280,000 |
| Interest expense | 694,000 | 1,528,000 | 2,544,000 | 3,706,000 |
| Net interest income | 1,611,000 | 3,255,000 | 4,893,000 | 6,574,000 |
| Noninterest income | 280,000 | 587,000 | 889,000 | 1,204,000 |
| Noninterest expense | 1,496,000 | 3,013,000 | 4,530,000 | 5,819,000 |
| Provision for loan losses | 30,000 | 49,000 | 97,000 | 128,000 |
| Pretax income | 443,000 | 847,000 | 1,240,000 | 1,917,000 |
| Income tax | 32,000 | 61,000 | 89,000 | 202,000 |
| Net income | 411,000 | 786,000 | 1,151,000 | 1,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,389,000 | 31,364,000 | 31,730,000 | 31,893,000 |
| Total capital | 33,506,000 | 33,511,000 | 33,907,000 | 34,099,000 |
| Risk-weighted assets | 197,397,000 | 201,508,000 | 207,903,000 | 207,600,000 |