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 | 116,406,000 | 130,211,000 | 157,367,000 | 168,005,000 |
| Total loans | 62,045,000 | 74,219,000 | 92,082,000 | 108,336,000 |
| Allowance for loan losses | 327,000 | 372,000 | 375,000 | 378,000 |
| Securities available for sale | 4,566,000 | 4,450,000 | 4,090,000 | 3,940,000 |
| Securities held to maturity | 26,650,000 | 30,917,000 | 36,383,000 | 42,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,931,000 | 114,381,000 | 141,156,000 | 142,128,000 |
| Interest-bearing deposits | 67,223,000 | 71,951,000 | 97,679,000 | 94,908,000 |
| Noninterest-bearing deposits | 33,708,000 | 42,430,000 | 43,477,000 | 47,220,000 |
| Equity capital | 15,295,000 | 15,530,000 | 15,695,000 | 16,513,000 |
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 | 1,131,000 | 2,547,000 | 4,465,000 | 6,795,000 |
| Interest expense | 64,000 | 136,000 | 256,000 | 556,000 |
| Net interest income | 1,067,000 | 2,411,000 | 4,209,000 | 6,239,000 |
| Noninterest income | 148,000 | 364,000 | 594,000 | 819,000 |
| Noninterest expense | 1,013,000 | 2,155,000 | 3,638,000 | 5,081,000 |
| Provision for loan losses | 6,000 | 49,000 | 49,000 | 49,000 |
| Pretax income | 196,000 | 571,000 | 1,116,000 | 1,928,000 |
| Income tax | 41,000 | 120,000 | 235,000 | 128,000 |
| Net income | 155,000 | 451,000 | 881,000 | 1,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,400,000 | 15,696,000 | 16,126,000 | 17,046,000 |
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