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 | 241,598,000 | 237,016,000 | 264,075,000 | 274,491,000 |
| Total loans | 65,026,000 | 97,236,000 | 115,103,000 | 141,678,000 |
| Allowance for loan losses | 1,124,000 | 1,214,000 | 1,160,000 | 1,162,000 |
| Securities available for sale | 77,072,000 | 88,514,000 | 103,153,000 | 108,283,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,526,000 | 210,993,000 | 239,960,000 | 243,504,000 |
| Interest-bearing deposits | 147,735,000 | 148,880,000 | 179,129,000 | 184,261,000 |
| Noninterest-bearing deposits | 64,791,000 | 62,113,000 | 60,831,000 | 59,243,000 |
| Equity capital | 28,308,000 | 25,132,000 | 23,066,000 | 24,739,000 |
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 | 1,140,000 | 2,763,000 | 5,018,000 | 7,961,000 |
| Interest expense | 81,000 | 171,000 | 353,000 | 677,000 |
| Net interest income | 1,059,000 | 2,592,000 | 4,665,000 | 7,284,000 |
| Noninterest income | 253,000 | 787,000 | 1,044,000 | 1,306,000 |
| Noninterest expense | 2,043,000 | 3,870,000 | 5,996,000 | 8,046,000 |
| Provision for loan losses | 90,000 | 180,000 | 210,000 | 210,000 |
| Pretax income | -821,000 | -671,000 | -497,000 | 355,000 |
| Income tax | -184,000 | -163,000 | -136,000 | 33,000 |
| Net income | -637,000 | -508,000 | -361,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,834,000 | 31,963,000 | 32,110,000 | 33,193,000 |
| Total capital | 32,816,000 | 33,177,000 | 33,270,000 | 34,355,000 |
| Risk-weighted assets | 78,474,000 | 119,235,000 | 141,453,000 | 178,728,000 |