Call reports 2023
CITIZENS STATE BANK — 2023
What CITIZENS STATE BANK 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 | 185,179,000 | 173,516,000 | 177,588,000 | 178,144,000 |
| Total loans | 109,783,000 | 111,390,000 | 113,264,000 | 114,572,000 |
| Allowance for loan losses | 1,241,000 | 1,277,000 | 1,339,000 | 1,353,000 |
| Securities available for sale | 66,224,000 | 51,305,000 | 50,734,000 | 51,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,888,000 | 159,457,000 | 163,375,000 | 162,161,000 |
| Interest-bearing deposits | 128,355,000 | 114,576,000 | 116,869,000 | 94,928,000 |
| Noninterest-bearing deposits | 42,533,000 | 44,881,000 | 46,506,000 | 67,233,000 |
| Equity capital | 13,738,000 | 13,272,000 | 13,214,000 | 14,531,000 |
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 | 2,008,000 | 4,179,000 | 6,334,000 | 8,594,000 |
| Interest expense | 270,000 | 774,000 | 1,319,000 | 1,982,000 |
| Net interest income | 1,738,000 | 3,405,000 | 5,015,000 | 6,612,000 |
| Noninterest income | 291,000 | 579,000 | 840,000 | 1,091,000 |
| Noninterest expense | 958,000 | 1,993,000 | 2,916,000 | 3,868,000 |
| Provision for loan losses | 65,000 | 165,000 | 235,000 | 315,000 |
| Pretax income | 1,006,000 | 1,826,000 | 2,704,000 | 3,520,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,006,000 | 1,826,000 | 2,704,000 | 3,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,636,000 | 19,456,000 | 19,734,000 | 19,686,000 |