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 | 26,814,000 | 26,772,000 | 30,122,000 | 28,782,000 |
| Total loans | 18,232,000 | 20,669,000 | 24,853,000 | 23,646,000 |
| Allowance for loan losses | 192,000 | 193,000 | 195,000 | 197,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 105,000 | 105,000 | 105,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,956,000 | 21,679,000 | 20,801,000 | 22,706,000 |
| Interest-bearing deposits | 18,384,000 | 17,955,000 | 17,393,000 | 17,507,000 |
| Noninterest-bearing deposits | 3,572,000 | 3,724,000 | 3,408,000 | 5,199,000 |
| Equity capital | 2,611,000 | 2,662,000 | 2,749,000 | 2,809,000 |
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 | 237,000 | 517,000 | 848,000 | 1,207,000 |
| Interest expense | 44,000 | 86,000 | 133,000 | 195,000 |
| Net interest income | 193,000 | 431,000 | 715,000 | 1,012,000 |
| Noninterest income | 11,000 | 22,000 | 33,000 | 44,000 |
| Noninterest expense | 183,000 | 371,000 | 561,000 | 783,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 19,000 | 79,000 | 182,000 | 267,000 |
| Income tax | 13,000 | 22,000 | 39,000 | 64,000 |
| Net income | 6,000 | 57,000 | 143,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,611,000 | 2,662,000 | 2,749,000 | 2,809,000 |