Call reports 2023
CITIZENS STATE BANK OF NEW CASTLE — 2023
What CITIZENS STATE BANK OF NEW CASTLE 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 | 800,473,000 | 805,019,000 | 792,450,000 | 799,017,000 |
| Total loans | 415,013,000 | 421,151,000 | 430,547,000 | 445,324,000 |
| Allowance for loan losses | 5,880,000 | 5,944,000 | 6,149,000 | 6,321,000 |
| Securities available for sale | 91,656,000 | 86,876,000 | 88,283,000 | 88,099,000 |
| Securities held to maturity | 213,442,000 | 211,111,000 | 208,510,000 | 206,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 700,147,000 | 703,002,000 | 688,544,000 | 691,734,000 |
| Interest-bearing deposits | 556,595,000 | 556,783,000 | 540,880,000 | 537,447,000 |
| Noninterest-bearing deposits | 143,552,000 | 146,219,000 | 147,664,000 | 154,287,000 |
| Equity capital | 70,693,000 | 72,083,000 | 73,091,000 | 75,620,000 |
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 | 7,458,000 | 15,507,000 | 23,857,000 | 32,644,000 |
| Interest expense | 1,456,000 | 3,535,000 | 5,850,000 | 8,376,000 |
| Net interest income | 6,002,000 | 11,972,000 | 18,007,000 | 24,268,000 |
| Noninterest income | 1,376,000 | 2,806,000 | 4,337,000 | 6,202,000 |
| Noninterest expense | 5,340,000 | 10,206,000 | 15,281,000 | 20,602,000 |
| Provision for loan losses | 249,000 | 409,000 | 657,000 | 1,011,000 |
| Pretax income | 1,785,000 | 4,150,000 | 6,662,000 | 8,631,000 |
| Income tax | 372,000 | 878,000 | 1,407,000 | 1,710,000 |
| Net income | 1,413,000 | 3,272,000 | 5,255,000 | 6,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,213,000 | 76,750,000 | 78,410,000 | 79,753,000 |
| Total capital | 81,061,000 | 82,650,000 | 84,435,000 | 85,855,000 |
| Risk-weighted assets | 467,734,000 | 471,938,000 | 481,803,000 | 487,917,000 |