Call reports 2024
CITIZENS STATE BANK, THE — 2024
What CITIZENS STATE BANK, THE 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 | 399,531,000 | 397,463,000 | 406,731,000 | 415,681,000 |
| Total loans | 295,966,000 | 303,497,000 | 307,959,000 | 320,709,000 |
| Allowance for loan losses | 3,797,000 | 3,848,000 | 3,921,000 | 3,948,000 |
| Securities available for sale | 67,838,000 | 69,894,000 | 70,991,000 | 67,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,539,000 | 328,351,000 | 333,971,000 | 345,999,000 |
| Interest-bearing deposits | 296,218,000 | 287,176,000 | 290,938,000 | 300,130,000 |
| Noninterest-bearing deposits | 48,321,000 | 41,175,000 | 43,033,000 | 45,869,000 |
| Equity capital | 28,490,000 | 29,103,000 | 31,962,000 | 29,241,000 |
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 | 5,417,000 | 10,932,000 | 16,692,000 | 22,556,000 |
| Interest expense | 2,024,000 | 4,137,000 | 6,525,000 | 8,963,000 |
| Net interest income | 3,393,000 | 6,795,000 | 10,167,000 | 13,593,000 |
| Noninterest income | 175,000 | 348,000 | 535,000 | 790,000 |
| Noninterest expense | 1,426,000 | 2,819,000 | 4,246,000 | 5,775,000 |
| Provision for loan losses | 50,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 2,091,000 | 4,198,000 | 6,255,000 | 8,332,000 |
| Income tax | 0 | 0 | 0 | 279,000 |
| Net income | 2,091,000 | 4,198,000 | 6,255,000 | 8,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,324,000 | 39,677,000 | 39,981,000 | 40,006,000 |