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 | 324,640,000 | 383,450,000 | 363,127,000 | 381,356,000 |
| Total loans | 185,973,000 | 200,674,000 | 199,484,000 | 221,437,000 |
| Allowance for loan losses | 3,319,000 | 3,695,000 | 3,325,000 | 3,089,000 |
| Securities available for sale | 93,212,000 | 121,662,000 | 125,037,000 | 124,871,000 |
| Securities held to maturity | 70,000 | 70,000 | 70,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,702,000 | 352,253,000 | 334,596,000 | 348,734,000 |
| Interest-bearing deposits | 259,399,000 | 309,911,000 | 296,418,000 | 298,047,000 |
| Noninterest-bearing deposits | 28,303,000 | 42,341,000 | 38,178,000 | 50,687,000 |
| Equity capital | 33,714,000 | 27,770,000 | 25,146,000 | 29,440,000 |
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 | 2,419,000 | 5,157,000 | 8,523,000 | 12,027,000 |
| Interest expense | 261,000 | 505,000 | 778,000 | 1,172,000 |
| Net interest income | 2,158,000 | 4,652,000 | 7,745,000 | 10,855,000 |
| Noninterest income | 511,000 | 1,045,000 | 1,629,000 | 2,101,000 |
| Noninterest expense | 1,885,000 | 3,800,000 | 6,086,000 | 8,366,000 |
| Provision for loan losses | 0 | 0 | -250,000 | -500,000 |
| Pretax income | 784,000 | 1,897,000 | 3,538,000 | 5,099,000 |
| Income tax | 195,000 | 273,000 | 351,000 | 258,000 |
| Net income | 589,000 | 1,624,000 | 3,187,000 | 4,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,228,000 | 33,122,000 | 34,118,000 | 35,716,000 |
| Total capital | 38,769,000 | 35,978,000 | 36,924,000 | 38,793,000 |
| Risk-weighted assets | 202,511,000 | 227,628,000 | 224,031,000 | 246,132,000 |