Call reports 2022
CITIZENS STATE BANK OF NEW CASTLE — 2022
What CITIZENS STATE BANK OF NEW CASTLE 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 | 790,350,000 | 764,876,000 | 780,522,000 | 790,697,000 |
| Total loans | 362,852,000 | 380,964,000 | 391,605,000 | 402,572,000 |
| Allowance for loan losses | 7,354,000 | 7,317,000 | 7,280,000 | 7,156,000 |
| Securities available for sale | 98,841,000 | 90,802,000 | 84,134,000 | 84,045,000 |
| Securities held to maturity | 226,882,000 | 222,373,000 | 218,744,000 | 215,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 718,769,000 | 692,738,000 | 708,916,000 | 717,385,000 |
| Interest-bearing deposits | 542,245,000 | 550,189,000 | 557,176,000 | 559,571,000 |
| Noninterest-bearing deposits | 176,524,000 | 142,549,000 | 151,740,000 | 157,814,000 |
| Equity capital | 66,525,000 | 65,637,000 | 66,652,000 | 68,404,000 |
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 | 5,501,000 | 11,391,000 | 17,675,000 | 24,649,000 |
| Interest expense | 140,000 | 309,000 | 651,000 | 1,525,000 |
| Net interest income | 5,361,000 | 11,082,000 | 17,024,000 | 23,124,000 |
| Noninterest income | 1,444,000 | 2,897,000 | 4,234,000 | 5,635,000 |
| Noninterest expense | 4,572,000 | 9,387,000 | 14,191,000 | 19,582,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 98,000 |
| Pretax income | 2,203,000 | 4,532,000 | 6,987,000 | 9,079,000 |
| Income tax | 462,000 | 941,000 | 1,456,000 | 1,879,000 |
| Net income | 1,741,000 | 3,591,000 | 5,531,000 | 7,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,574,000 | 70,101,000 | 71,719,000 | 73,066,000 |
| Total capital | 73,895,000 | 75,612,000 | 77,291,000 | 78,778,000 |
| Risk-weighted assets | 423,647,000 | 439,102,000 | 444,068,000 | 455,523,000 |