Call reports 2022
CITIZENS STATE BANK — 2022
What CITIZENS STATE BANK 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 | 86,339,000 | 82,804,000 | 83,059,000 | 86,106,000 |
| Total loans | 41,685,000 | 39,982,000 | 45,563,000 | 45,829,000 |
| Allowance for loan losses | 601,000 | 589,000 | 607,000 | 599,000 |
| Securities available for sale | 29,144,000 | 27,144,000 | 21,150,000 | 21,017,000 |
| Securities held to maturity | 4,452,000 | 4,248,000 | 4,104,000 | 4,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,993,000 | 76,534,000 | 74,409,000 | 77,280,000 |
| Interest-bearing deposits | 63,448,000 | 58,834,000 | 58,090,000 | 61,807,000 |
| Noninterest-bearing deposits | 15,545,000 | 17,700,000 | 16,319,000 | 15,473,000 |
| Equity capital | 7,241,000 | 6,122,000 | 5,940,000 | 6,162,000 |
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 | 929,000 | 1,864,000 | 2,799,000 | 3,768,000 |
| Interest expense | 72,000 | 125,000 | 173,000 | 295,000 |
| Net interest income | 857,000 | 1,739,000 | 2,626,000 | 3,473,000 |
| Noninterest income | 191,000 | 378,000 | 573,000 | 768,000 |
| Noninterest expense | 942,000 | 2,034,000 | 3,000,000 | 4,029,000 |
| Provision for loan losses | 28,000 | 61,000 | 70,000 | 70,000 |
| Pretax income | 78,000 | 22,000 | 117,000 | 130,000 |
| Income tax | 0 | -65,000 | -65,000 | -65,000 |
| Net income | 78,000 | 87,000 | 182,000 | 195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,579,000 | 8,588,000 | 8,683,000 | 8,696,000 |
| Total capital | 9,140,000 | 9,146,000 | 9,290,000 | 9,295,000 |
| Risk-weighted assets | 44,886,000 | 44,681,000 | 51,368,000 | 51,757,000 |