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 | 980,221,000 | 966,641,000 | 981,546,000 | 1,008,648,000 |
| Total loans | 552,423,000 | 578,988,000 | 616,018,000 | 638,462,000 |
| Allowance for loan losses | 5,946,000 | 6,108,000 | 5,944,000 | 6,163,000 |
| Securities available for sale | 240,271,000 | 221,580,000 | 214,769,000 | 211,010,000 |
| Securities held to maturity | 10,407,000 | 10,729,000 | 10,102,000 | 9,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 876,913,000 | 866,372,000 | 878,661,000 | 907,119,000 |
| Interest-bearing deposits | 731,684,000 | 712,351,000 | 710,600,000 | 668,563,000 |
| Noninterest-bearing deposits | 145,229,000 | 154,021,000 | 168,061,000 | 238,556,000 |
| Equity capital | 94,355,000 | 90,308,000 | 92,536,000 | 93,987,000 |
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 | 8,737,000 | 17,710,000 | 27,613,000 | 38,177,000 |
| Interest expense | 665,000 | 1,390,000 | 2,383,000 | 3,981,000 |
| Net interest income | 8,072,000 | 16,320,000 | 25,230,000 | 34,196,000 |
| Noninterest income | 1,369,000 | 2,736,000 | 4,237,000 | 5,682,000 |
| Noninterest expense | 5,293,000 | 10,836,000 | 16,247,000 | 21,753,000 |
| Provision for loan losses | 308,000 | 723,000 | 1,443,000 | 1,933,000 |
| Pretax income | 3,779,000 | 7,364,000 | 11,623,000 | 16,039,000 |
| Income tax | 758,000 | 1,469,000 | 2,317,000 | 3,124,000 |
| Net income | 3,021,000 | 5,895,000 | 9,306,000 | 12,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,239,000 | 101,060,000 | 104,349,000 | 105,430,000 |