Call reports 2024
CITIZENS STATE BANK AND TRUST COMPANY — 2024
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 96,424,000 | 93,646,000 | 92,616,000 | 95,880,000 |
| Total loans | 59,612,000 | 59,970,000 | 60,271,000 | 61,760,000 |
| Allowance for loan losses | 624,000 | 621,000 | 624,000 | 618,000 |
| Securities available for sale | 30,384,000 | 25,573,000 | 23,094,000 | 26,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,342,000 | 75,894,000 | 72,166,000 | 74,515,000 |
| Interest-bearing deposits | 60,046,000 | 56,074,000 | 55,213,000 | 57,825,000 |
| Noninterest-bearing deposits | 19,296,000 | 19,820,000 | 16,953,000 | 16,690,000 |
| Equity capital | 15,474,000 | 15,859,000 | 16,655,000 | 16,942,000 |
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 | 1,027,000 | 2,057,000 | 3,158,000 | 4,327,000 |
| Interest expense | 78,000 | 156,000 | 253,000 | 383,000 |
| Net interest income | 949,000 | 1,901,000 | 2,905,000 | 3,944,000 |
| Noninterest income | 202,000 | 374,000 | 612,000 | 900,000 |
| Noninterest expense | 711,000 | 1,423,000 | 2,183,000 | 2,906,000 |
| Provision for loan losses | 0 | 0 | 0 | -7,000 |
| Pretax income | 440,000 | 852,000 | 1,334,000 | 1,938,000 |
| Income tax | 23,000 | 44,000 | 50,000 | 67,000 |
| Net income | 417,000 | 808,000 | 1,284,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,046,000 | 17,237,000 | 17,512,000 | 17,899,000 |
| Total capital | 17,670,000 | 17,858,000 | 18,136,000 | 18,524,000 |
| Risk-weighted assets | 56,147,000 | 56,648,000 | 56,586,000 | 58,756,000 |