Call reports 2024
CITIZENS STATE BANK — 2024
What CITIZENS STATE BANK 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 | 433,158,000 | 443,398,000 | 441,287,000 | 452,880,000 |
| Total loans | 339,096,000 | 352,044,000 | 363,745,000 | 376,645,000 |
| Allowance for loan losses | 4,747,000 | 4,899,000 | 4,596,000 | 4,695,000 |
| Securities available for sale | 52,937,000 | 52,590,000 | 51,874,000 | 44,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,235,000 | 385,894,000 | 378,255,000 | 369,994,000 |
| Interest-bearing deposits | 322,460,000 | 332,583,000 | 323,142,000 | 316,951,000 |
| Noninterest-bearing deposits | 51,775,000 | 53,310,000 | 55,113,000 | 53,043,000 |
| Equity capital | 36,729,000 | 37,398,000 | 39,030,000 | 39,746,000 |
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 | 5,915,000 | 12,252,000 | 18,776,000 | 25,336,000 |
| Interest expense | 2,882,000 | 5,869,000 | 8,803,000 | 11,510,000 |
| Net interest income | 3,033,000 | 6,383,000 | 9,973,000 | 13,826,000 |
| Noninterest income | 263,000 | 550,000 | 822,000 | 1,106,000 |
| Noninterest expense | 2,305,000 | 4,718,000 | 6,950,000 | 9,366,000 |
| Provision for loan losses | 150,000 | 300,000 | 30,000 | 135,000 |
| Pretax income | 841,000 | 1,915,000 | 3,395,000 | 4,966,000 |
| Income tax | 157,000 | 377,000 | 677,000 | 965,000 |
| Net income | 684,000 | 1,538,000 | 2,718,000 | 4,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,326,000 | 39,981,000 | 40,961,000 | 42,043,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS STATE BANK — 2024 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.