Call reports 2022
CITIZENS STATE BANK — 2022
What CITIZENS STATE BANK 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 | 376,877,000 | 371,998,000 | 377,039,000 | 387,121,000 |
| Total loans | 187,543,000 | 200,838,000 | 213,277,000 | 219,978,000 |
| Allowance for loan losses | 2,171,000 | 2,347,000 | 2,497,000 | 2,563,000 |
| Securities available for sale | 149,007,000 | 151,547,000 | 142,333,000 | 141,106,000 |
| Securities held to maturity | 4,993,000 | 4,986,000 | 4,981,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,598,000 | 341,273,000 | 347,486,000 | 355,214,000 |
| Interest-bearing deposits | 234,241,000 | 235,224,000 | 247,858,000 | 251,836,000 |
| Noninterest-bearing deposits | 107,357,000 | 106,049,000 | 99,628,000 | 103,378,000 |
| Equity capital | 33,166,000 | 27,971,000 | 27,260,000 | 28,352,000 |
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 | 2,888,000 | 5,997,000 | 9,344,000 | 13,008,000 |
| Interest expense | 209,000 | 430,000 | 737,000 | 1,283,000 |
| Net interest income | 2,679,000 | 5,567,000 | 8,607,000 | 11,725,000 |
| Noninterest income | 218,000 | 442,000 | 682,000 | 918,000 |
| Noninterest expense | 1,366,000 | 2,699,000 | 4,128,000 | 5,734,000 |
| Provision for loan losses | 43,000 | 221,000 | 374,000 | 453,000 |
| Pretax income | 1,488,000 | 3,089,000 | 4,787,000 | 6,456,000 |
| Income tax | 202,000 | 428,000 | 676,000 | 925,000 |
| Net income | 1,286,000 | 2,661,000 | 4,111,000 | 5,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,749,000 | 40,479,000 | 42,086,000 | 41,808,000 |