Call reports 2024
CITIZENS STATE BANK OF ROSEAU — 2024
What CITIZENS STATE BANK OF ROSEAU 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 | 308,554,000 | 305,988,000 | 302,498,000 | 287,230,000 |
| Total loans | 150,519,000 | 152,388,000 | 158,465,000 | 162,815,000 |
| Allowance for loan losses | 1,761,000 | 1,790,000 | 1,775,000 | 1,750,000 |
| Securities available for sale | 73,867,000 | 76,054,000 | 72,252,000 | 65,756,000 |
| Securities held to maturity | 51,664,000 | 53,143,000 | 51,318,000 | 50,453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,810,000 | 251,549,000 | 244,778,000 | 247,650,000 |
| Interest-bearing deposits | 194,785,000 | 192,256,000 | 187,369,000 | 187,154,000 |
| Noninterest-bearing deposits | 60,025,000 | 59,293,000 | 57,409,000 | 60,496,000 |
| Equity capital | 26,519,000 | 27,000,000 | 29,858,000 | 28,992,000 |
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 | 3,237,000 | 6,729,000 | 10,190,000 | 13,665,000 |
| Interest expense | 1,465,000 | 3,022,000 | 4,520,000 | 5,966,000 |
| Net interest income | 1,772,000 | 3,707,000 | 5,670,000 | 7,699,000 |
| Noninterest income | 191,000 | 423,000 | 643,000 | 855,000 |
| Noninterest expense | 1,247,000 | 2,472,000 | 3,772,000 | 5,035,000 |
| Provision for loan losses | 27,000 | 56,000 | 82,000 | 155,000 |
| Pretax income | 689,000 | 1,602,000 | 2,599,000 | 3,511,000 |
| Income tax | 36,000 | 64,000 | 91,000 | 128,000 |
| Net income | 653,000 | 1,538,000 | 2,508,000 | 3,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,838,000 | 35,224,000 | 35,843,000 | 36,368,000 |