Call reports 2022
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2022
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 118,482,000 | 120,915,000 | 116,526,000 | 116,348,000 |
| Total loans | 51,462,000 | 53,393,000 | 52,725,000 | 55,655,000 |
| Allowance for loan losses | 764,000 | 768,000 | 779,000 | 779,000 |
| Securities available for sale | 46,041,000 | 47,643,000 | 45,358,000 | 38,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,683,000 | 114,686,000 | 111,960,000 | 110,856,000 |
| Interest-bearing deposits | 78,302,000 | 79,601,000 | 76,711,000 | 76,269,000 |
| Noninterest-bearing deposits | 32,381,000 | 35,085,000 | 35,249,000 | 34,587,000 |
| Equity capital | 7,518,000 | 5,985,000 | 4,233,000 | 5,245,000 |
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 | 804,000 | 1,659,000 | 2,573,000 | 3,528,000 |
| Interest expense | 46,000 | 97,000 | 191,000 | 377,000 |
| Net interest income | 758,000 | 1,562,000 | 2,382,000 | 3,151,000 |
| Noninterest income | 87,000 | 186,000 | 288,000 | 381,000 |
| Noninterest expense | 550,000 | 1,131,000 | 1,723,000 | 2,351,000 |
| Provision for loan losses | 15,000 | 30,000 | 48,000 | 48,000 |
| Pretax income | 280,000 | 577,000 | 889,000 | 969,000 |
| Income tax | 18,000 | 46,000 | 75,000 | 103,000 |
| Net income | 262,000 | 531,000 | 814,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,677,000 | 8,956,000 | 9,250,000 | 9,313,000 |
| Total capital | 9,437,000 | 9,724,000 | 10,029,000 | 10,092,000 |
| Risk-weighted assets | 60,760,000 | 63,151,000 | 63,073,000 | 65,920,000 |
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