Call reports 2023
CITIZENS STATE BANK OF ROSEAU — 2023
What CITIZENS STATE BANK OF ROSEAU reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 278,533,000 | 281,310,000 | 280,095,000 | 284,592,000 |
| Total loans | 135,094,000 | 142,744,000 | 144,177,000 | 152,334,000 |
| Allowance for loan losses | 1,670,000 | 1,692,000 | 1,715,000 | 1,735,000 |
| Securities available for sale | 74,264,000 | 74,505,000 | 70,618,000 | 70,018,000 |
| Securities held to maturity | 55,090,000 | 54,316,000 | 53,022,000 | 52,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,597,000 | 255,624,000 | 249,683,000 | 253,636,000 |
| Interest-bearing deposits | 59,611,000 | 197,199,000 | 191,610,000 | 192,932,000 |
| Noninterest-bearing deposits | 192,986,000 | 58,425,000 | 58,073,000 | 60,704,000 |
| Equity capital | 24,696,000 | 24,328,000 | 23,464,000 | 26,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,353,000 | 4,899,000 | 7,552,000 | 10,382,000 |
| Interest expense | 752,000 | 1,574,000 | 2,594,000 | 3,741,000 |
| Net interest income | 1,601,000 | 3,325,000 | 4,958,000 | 6,641,000 |
| Noninterest income | 225,000 | 466,000 | 739,000 | 935,000 |
| Noninterest expense | 1,177,000 | 2,357,000 | 3,601,000 | 4,897,000 |
| Provision for loan losses | 27,000 | 54,000 | 82,000 | 112,000 |
| Pretax income | 623,000 | 1,381,000 | 2,015,000 | 2,568,000 |
| Income tax | 54,000 | 86,000 | 118,000 | 150,000 |
| Net income | 569,000 | 1,295,000 | 1,897,000 | 2,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,636,000 | 33,872,000 | 34,224,000 | 34,486,000 |