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 | 112,956,000 | 112,802,000 | 111,391,000 | 113,419,000 |
| Total loans | 62,001,000 | 63,093,000 | 66,932,000 | 67,133,000 |
| Allowance for loan losses | 465,000 | 457,000 | 472,000 | 449,000 |
| Securities available for sale | 35,896,000 | 35,971,000 | 33,258,000 | 33,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,941,000 | 91,319,000 | 90,177,000 | 93,172,000 |
| Interest-bearing deposits | 48,979,000 | 50,418,000 | 50,179,000 | 49,146,000 |
| Noninterest-bearing deposits | 40,962,000 | 40,901,000 | 39,998,000 | 44,026,000 |
| Equity capital | 20,521,000 | 19,145,000 | 17,454,000 | 17,846,000 |
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 | 874,000 | 1,802,000 | 2,784,000 | 3,824,000 |
| Interest expense | 70,000 | 136,000 | 211,000 | 376,000 |
| Net interest income | 804,000 | 1,666,000 | 2,573,000 | 3,448,000 |
| Noninterest income | 88,000 | 175,000 | 255,000 | 368,000 |
| Noninterest expense | 653,000 | 1,288,000 | 1,968,000 | 2,669,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 239,000 | 532,000 | 825,000 | 1,100,000 |
| Income tax | 12,000 | 27,000 | 93,000 | 114,000 |
| Net income | 227,000 | 505,000 | 732,000 | 986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,430,000 | 22,584,000 | 22,689,000 | 22,448,000 |
| Total capital | 22,895,000 | — | — | — |
| Risk-weighted assets | 74,313,000 | — | — | — |