Call reports 2024
CITIZENS STATE BANK OF LOYAL — 2024
What CITIZENS STATE BANK OF LOYAL reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 283,264,000 | 286,675,000 | 306,313,000 | 303,125,000 |
| Total loans | 159,158,000 | 166,835,000 | 167,129,000 | 171,085,000 |
| Allowance for loan losses | 1,743,000 | 1,802,000 | 1,820,000 | 1,786,000 |
| Securities available for sale | 89,491,000 | 84,738,000 | 94,783,000 | 95,159,000 |
| Securities held to maturity | 5,431,000 | 5,431,000 | 5,432,000 | 5,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,845,000 | 228,693,000 | 245,476,000 | 243,507,000 |
| Interest-bearing deposits | 185,795,000 | 186,346,000 | 198,895,000 | 198,148,000 |
| Noninterest-bearing deposits | 39,050,000 | 42,347,000 | 46,581,000 | 45,359,000 |
| Equity capital | 25,777,000 | 25,218,000 | 27,436,000 | 26,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,915,000 | 5,941,000 | 9,219,000 | 12,617,000 |
| Interest expense | 1,279,000 | 2,596,000 | 4,048,000 | 5,557,000 |
| Net interest income | 1,636,000 | 3,345,000 | 5,171,000 | 7,060,000 |
| Noninterest income | 287,000 | 622,000 | 927,000 | 1,252,000 |
| Noninterest expense | 1,514,000 | 2,977,000 | 4,517,000 | 6,041,000 |
| Provision for loan losses | -256,000 | -197,000 | -163,000 | -182,000 |
| Pretax income | 484,000 | 1,065,000 | 1,656,000 | 2,346,000 |
| Income tax | 10,000 | 36,000 | 51,000 | 66,000 |
| Net income | 474,000 | 1,029,000 | 1,605,000 | 2,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,367,000 | 32,522,000 | 33,098,000 | 33,273,000 |
| Total capital | 34,410,000 | 34,565,000 | 35,125,000 | 35,285,000 |
| Risk-weighted assets | 211,253,000 | 217,586,000 | 207,807,000 | 215,384,000 |