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 | 147,945,000 | 145,625,000 | 137,445,000 | 143,644,000 |
| Total loans | 60,530,000 | 70,128,000 | 80,310,000 | 75,960,000 |
| Allowance for loan losses | 663,000 | 678,000 | 701,000 | 714,000 |
| Securities available for sale | 50,427,000 | 48,918,000 | 47,091,000 | 48,869,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,718,000 | 130,771,000 | 122,232,000 | 128,577,000 |
| Interest-bearing deposits | 96,454,000 | 80,507,000 | 87,352,000 | 91,376,000 |
| Noninterest-bearing deposits | 36,264,000 | 50,263,000 | 34,880,000 | 37,201,000 |
| Equity capital | 15,008,000 | 14,550,000 | 13,811,000 | 14,778,000 |
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 | 988,000 | 2,085,000 | 3,411,000 | 4,787,000 |
| Interest expense | 45,000 | 110,000 | 248,000 | 453,000 |
| Net interest income | 943,000 | 1,975,000 | 3,163,000 | 4,334,000 |
| Noninterest income | 48,000 | 119,000 | 172,000 | 235,000 |
| Noninterest expense | 916,000 | 1,806,000 | 2,731,000 | 3,477,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 59,000 | 264,000 | 582,000 | 1,055,000 |
| Income tax | 4,000 | 44,000 | 114,000 | 198,000 |
| Net income | 55,000 | 220,000 | 468,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,653,000 | 16,818,000 | 17,066,000 | 17,455,000 |