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 | 162,773,000 | 163,587,000 | 164,471,000 | 164,191,000 |
| Total loans | 93,047,000 | 96,506,000 | 101,706,000 | 107,572,000 |
| Allowance for loan losses | 1,150,000 | 1,187,000 | 1,220,000 | 1,245,000 |
| Securities available for sale | 52,493,000 | 49,637,000 | 48,265,000 | 48,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,977,000 | 150,246,000 | 151,671,000 | 150,555,000 |
| Interest-bearing deposits | 108,242,000 | 110,306,000 | 109,394,000 | 106,291,000 |
| Noninterest-bearing deposits | 38,735,000 | 39,940,000 | 42,277,000 | 44,264,000 |
| Equity capital | 14,924,000 | 12,745,000 | 12,043,000 | 12,372,000 |
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 | 1,584,000 | 3,220,000 | 5,003,000 | 6,900,000 |
| Interest expense | 181,000 | 361,000 | 552,000 | 771,000 |
| Net interest income | 1,403,000 | 2,859,000 | 4,451,000 | 6,129,000 |
| Noninterest income | 233,000 | 473,000 | 715,000 | 940,000 |
| Noninterest expense | 854,000 | 1,809,000 | 2,708,000 | 3,523,000 |
| Provision for loan losses | 45,000 | 70,000 | 85,000 | 150,000 |
| Pretax income | 737,000 | 1,453,000 | 2,373,000 | 3,396,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 737,000 | 1,453,000 | 2,373,000 | 3,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,947,000 | 18,164,000 | 18,485,000 | 18,630,000 |