Call reports 2022
CITIZENS STATE BANK AND TRUST COMPANY — 2022
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 126,415,000 | 119,972,000 | 108,237,000 | 107,855,000 |
| Total loans | 43,366,000 | 49,092,000 | 51,012,000 | 52,861,000 |
| Allowance for loan losses | 622,000 | 622,000 | 623,000 | 623,000 |
| Securities available for sale | 40,274,000 | 52,300,000 | 49,363,000 | 49,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,203,000 | 98,023,000 | 92,577,000 | 87,440,000 |
| Interest-bearing deposits | 74,071,000 | 72,247,000 | 68,890,000 | 67,186,000 |
| Noninterest-bearing deposits | 24,132,000 | 25,776,000 | 23,687,000 | 20,254,000 |
| Equity capital | 13,541,000 | 12,927,000 | 12,182,000 | 12,848,000 |
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 | 584,000 | 1,278,000 | 2,060,000 | 2,890,000 |
| Interest expense | 29,000 | 58,000 | 89,000 | 132,000 |
| Net interest income | 555,000 | 1,220,000 | 1,971,000 | 2,758,000 |
| Noninterest income | 221,000 | 358,000 | 533,000 | 779,000 |
| Noninterest expense | 681,000 | 1,338,000 | 2,025,000 | 2,682,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 240,000 | 479,000 | 855,000 |
| Income tax | -6,000 | 6,000 | 17,000 | 17,000 |
| Net income | 101,000 | 234,000 | 462,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,304,000 | 15,364,000 | 15,530,000 | 15,797,000 |
| Total capital | 15,926,000 | 15,986,000 | 16,153,000 | 16,420,000 |
| Risk-weighted assets | 58,996,000 | 57,793,000 | 53,605,000 | 55,317,000 |