Call reports 2022
CITIZENS STATE BANK OF ROSEAU — 2022
What CITIZENS STATE BANK OF ROSEAU 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 | 293,060,000 | 291,548,000 | 286,813,000 | 285,216,000 |
| Total loans | 124,653,000 | 129,408,000 | 136,839,000 | 142,596,000 |
| Allowance for loan losses | 1,670,000 | 1,670,000 | 1,597,000 | 1,650,000 |
| Securities available for sale | 86,770,000 | 84,974,000 | 78,023,000 | 75,697,000 |
| Securities held to maturity | 60,505,000 | 59,228,000 | 59,119,000 | 58,817,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,758,000 | 265,441,000 | 256,245,000 | 253,896,000 |
| Interest-bearing deposits | 189,024,000 | 198,416,000 | 188,283,000 | 189,099,000 |
| Noninterest-bearing deposits | 75,734,000 | 67,025,000 | 67,962,000 | 64,797,000 |
| Equity capital | 27,527,000 | 25,099,000 | 22,459,000 | 23,499,000 |
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 | 1,850,000 | 3,805,000 | 5,910,000 | 8,111,000 |
| Interest expense | 126,000 | 262,000 | 464,000 | 858,000 |
| Net interest income | 1,724,000 | 3,543,000 | 5,446,000 | 7,253,000 |
| Noninterest income | 302,000 | 477,000 | 765,000 | 1,006,000 |
| Noninterest expense | 1,172,000 | 2,385,000 | 3,619,000 | 4,874,000 |
| Provision for loan losses | 27,000 | 54,000 | 82,000 | 128,000 |
| Pretax income | 827,000 | 1,581,000 | 2,510,000 | 3,257,000 |
| Income tax | 76,000 | 130,000 | 186,000 | 241,000 |
| Net income | 751,000 | 1,451,000 | 2,324,000 | 3,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,502,000 | 32,602,000 | 33,175,000 | 33,567,000 |