Call reports 2024
CITIZENS STATE BANK — 2024
What CITIZENS STATE BANK 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 | 559,680,000 | 569,961,000 | 578,606,000 | 586,690,000 |
| Total loans | 398,646,000 | 415,655,000 | 428,016,000 | 452,746,000 |
| Allowance for loan losses | 7,033,000 | 7,110,000 | 7,358,000 | 7,382,000 |
| Securities available for sale | 48,166,000 | 47,546,000 | 49,045,000 | 47,231,000 |
| Securities held to maturity | 52,238,000 | 52,197,000 | 51,381,000 | 50,403,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,449,000 | 513,048,000 | 522,248,000 | 530,093,000 |
| Interest-bearing deposits | 452,908,000 | 457,034,000 | 467,757,000 | 481,595,000 |
| Noninterest-bearing deposits | 55,541,000 | 56,014,000 | 54,491,000 | 48,498,000 |
| Equity capital | 49,584,000 | 50,641,000 | 51,403,000 | 50,597,000 |
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 | 7,608,000 | 15,788,000 | 23,997,000 | 32,268,000 |
| Interest expense | 3,296,000 | 6,896,000 | 10,722,000 | 14,475,000 |
| Net interest income | 4,312,000 | 8,892,000 | 13,275,000 | 17,793,000 |
| Noninterest income | 361,000 | 672,000 | 1,105,000 | 1,557,000 |
| Noninterest expense | 3,269,000 | 6,445,000 | 9,738,000 | 13,277,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,439,000 | 3,139,000 | 4,667,000 | 6,108,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,439,000 | 3,139,000 | 4,667,000 | 6,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,245,000 | 60,436,000 | 61,473,000 | 61,088,000 |
| Total capital | 65,072,000 | 66,462,000 | 67,588,000 | 67,553,000 |
| Risk-weighted assets | 464,996,000 | 480,995,000 | 487,957,000 | 516,330,000 |