Call reports 2023
CITIZENS STATE BANK — 2023
What CITIZENS STATE BANK 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 | 216,034,000 | 219,268,000 | 222,821,000 | 230,366,000 |
| Total loans | 168,890,000 | 165,842,000 | 169,989,000 | 171,912,000 |
| Allowance for loan losses | 2,399,000 | 2,400,000 | 2,400,000 | 2,399,000 |
| Securities available for sale | 22,098,000 | 22,073,000 | 22,008,000 | 23,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,376,000 | 197,995,000 | 201,110,000 | 207,925,000 |
| Interest-bearing deposits | 129,915,000 | 135,937,000 | 143,997,000 | 149,281,000 |
| Noninterest-bearing deposits | 65,461,000 | 62,058,000 | 57,113,000 | 58,644,000 |
| Equity capital | 20,304,000 | 20,704,000 | 21,025,000 | 21,880,000 |
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 | 2,757,000 | 5,647,000 | 8,796,000 | 12,185,000 |
| Interest expense | 501,000 | 1,337,000 | 2,458,000 | 3,749,000 |
| Net interest income | 2,256,000 | 4,310,000 | 6,338,000 | 8,436,000 |
| Noninterest income | 155,000 | 326,000 | 489,000 | 655,000 |
| Noninterest expense | 996,000 | 1,938,000 | 2,970,000 | 3,919,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,415,000 | 2,698,000 | 3,857,000 | 5,172,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,415,000 | 2,698,000 | 3,857,000 | 5,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,190,000 | 21,619,000 | 22,010,000 | 22,629,000 |
| Total capital | 23,078,000 | 23,507,000 | 23,898,000 | 24,517,000 |
| Risk-weighted assets | 161,991,000 | 155,605,000 | 158,815,000 | 164,821,000 |