Call reports 2023
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2023
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 118,356,000 | 112,436,000 | 113,249,000 | 116,030,000 |
| Total loans | 54,420,000 | 56,028,000 | 57,579,000 | 57,171,000 |
| Allowance for loan losses | 794,000 | 794,000 | 797,000 | 817,000 |
| Securities available for sale | 37,070,000 | 36,442,000 | 35,208,000 | 37,454,000 |
| Securities held to maturity | 3,795,000 | 3,773,000 | 3,771,000 | 3,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,574,000 | 105,867,000 | 107,570,000 | 108,256,000 |
| Interest-bearing deposits | 76,432,000 | 76,160,000 | 78,698,000 | 81,448,000 |
| Noninterest-bearing deposits | 35,142,000 | 29,707,000 | 28,872,000 | 26,808,000 |
| Equity capital | 6,490,000 | 6,242,000 | 5,321,000 | 7,463,000 |
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 | 957,000 | 1,992,000 | 3,046,000 | 4,155,000 |
| Interest expense | 269,000 | 587,000 | 925,000 | 1,323,000 |
| Net interest income | 688,000 | 1,405,000 | 2,121,000 | 2,832,000 |
| Noninterest income | 94,000 | 195,000 | 289,000 | 377,000 |
| Noninterest expense | 657,000 | 1,328,000 | 1,955,000 | 2,567,000 |
| Provision for loan losses | 15,000 | 15,000 | 18,000 | 38,000 |
| Pretax income | 72,000 | 219,000 | 399,000 | 547,000 |
| Income tax | 0 | -100,000 | -100,000 | -73,000 |
| Net income | 72,000 | 319,000 | 499,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,885,000 | 10,132,000 | 10,312,000 | 10,433,000 |
| Total capital | 10,679,000 | 10,926,000 | 11,109,000 | 11,250,000 |
| Risk-weighted assets | 64,449,000 | 65,713,000 | 66,357,000 | 65,365,000 |