Call reports 2024
CITIZENS STATE BANK OF NEW CASTLE — 2024
What CITIZENS STATE BANK OF NEW CASTLE 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 | 781,417,000 | 789,569,000 | 795,390,000 | 817,246,000 |
| Total loans | 447,404,000 | 462,602,000 | 472,599,000 | 480,581,000 |
| Allowance for loan losses | 6,312,000 | 6,419,000 | 6,658,000 | 6,598,000 |
| Securities available for sale | 77,584,000 | 74,223,000 | 58,437,000 | 67,561,000 |
| Securities held to maturity | 203,969,000 | 201,642,000 | 199,123,000 | 196,895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,027,000 | 680,288,000 | 683,782,000 | 724,987,000 |
| Interest-bearing deposits | 529,035,000 | 541,079,000 | 547,232,000 | 585,552,000 |
| Noninterest-bearing deposits | 143,992,000 | 139,209,000 | 136,550,000 | 139,435,000 |
| Equity capital | 77,254,000 | 79,017,000 | 80,666,000 | 81,430,000 |
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 | 8,949,000 | 17,966,000 | 27,309,000 | 37,081,000 |
| Interest expense | 2,814,000 | 5,608,000 | 8,713,000 | 11,906,000 |
| Net interest income | 6,135,000 | 12,358,000 | 18,596,000 | 25,175,000 |
| Noninterest income | 1,221,000 | 2,499,000 | 3,725,000 | 5,229,000 |
| Noninterest expense | 5,138,000 | 10,281,000 | 15,467,000 | 21,117,000 |
| Provision for loan losses | 44,000 | 275,000 | 624,000 | 765,000 |
| Pretax income | 2,174,000 | 4,301,000 | 6,232,000 | 8,524,000 |
| Income tax | 478,000 | 917,000 | 1,332,000 | 1,804,000 |
| Net income | 1,942,000 | 3,617,000 | 5,118,000 | 6,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,373,000 | 82,726,000 | 83,404,000 | 84,891,000 |
| Total capital | 87,488,000 | 88,997,000 | 89,759,000 | 91,362,000 |
| Risk-weighted assets | 488,971,000 | 501,507,000 | 508,070,000 | 517,523,000 |