Call reports 2024
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2024
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 114,721,000 | 112,773,000 | 113,982,000 | 112,907,000 |
| Total loans | 57,466,000 | 58,628,000 | 57,100,000 | 56,042,000 |
| Allowance for loan losses | 817,000 | 819,000 | 819,000 | 819,000 |
| Securities available for sale | 34,872,000 | 33,865,000 | 34,469,000 | 33,866,000 |
| Securities held to maturity | 4,226,000 | 4,184,000 | 3,892,000 | 3,846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,859,000 | 104,742,000 | 104,524,000 | 104,108,000 |
| Interest-bearing deposits | 80,812,000 | 80,212,000 | 76,763,000 | 78,567,000 |
| Noninterest-bearing deposits | 26,047,000 | 24,530,000 | 27,761,000 | 25,541,000 |
| Equity capital | 7,456,000 | 7,609,000 | 8,797,000 | 8,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,116,000 | 2,260,000 | 3,426,000 | 4,622,000 |
| Interest expense | 395,000 | 784,000 | 1,166,000 | 1,546,000 |
| Net interest income | 721,000 | 1,476,000 | 2,260,000 | 3,076,000 |
| Noninterest income | 81,000 | 170,000 | 269,000 | 349,000 |
| Noninterest expense | 554,000 | 1,133,000 | 1,760,000 | 2,375,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 2,000 |
| Pretax income | 230,000 | 499,000 | 755,000 | 1,032,000 |
| Income tax | 13,000 | -12,000 | -5,000 | 1,000 |
| Net income | 217,000 | 511,000 | 760,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,650,000 | 10,944,000 | 10,943,000 | 11,214,000 |
| Total capital | 11,461,000 | 11,768,000 | 11,738,000 | 12,004,000 |
| Risk-weighted assets | 64,867,000 | 65,884,000 | 63,524,000 | 63,118,000 |
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