Call reports 2022
CITIZENS SAVINGS BANK — 2022
What CITIZENS SAVINGS 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 | 76,003,000 | 77,032,000 | 74,242,000 | 84,364,000 |
| Total loans | 45,073,000 | 48,810,000 | 50,538,000 | 47,461,000 |
| Allowance for loan losses | 427,000 | 428,000 | 427,000 | 427,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,228,000 | 8,267,000 | 8,245,000 | 8,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,640,000 | 70,645,000 | 67,731,000 | 77,792,000 |
| Interest-bearing deposits | 43,260,000 | 44,231,000 | 41,005,000 | 43,086,000 |
| Noninterest-bearing deposits | 26,380,000 | 26,414,000 | 26,726,000 | 34,706,000 |
| Equity capital | 6,199,000 | 6,227,000 | 6,298,000 | 6,239,000 |
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 | 481,000 | 1,024,000 | 1,668,000 | 2,424,000 |
| Interest expense | 10,000 | 29,000 | 71,000 | 140,000 |
| Net interest income | 471,000 | 995,000 | 1,597,000 | 2,284,000 |
| Noninterest income | 35,000 | 360,000 | 374,000 | 372,000 |
| Noninterest expense | 408,000 | 828,000 | 1,234,000 | 1,850,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 94,000 | 523,000 | 733,000 | 802,000 |
| Income tax | 2,000 | 8,000 | 29,000 | 41,000 |
| Net income | 92,000 | 515,000 | 704,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,199,000 | 6,227,000 | 6,298,000 | 6,239,000 |
| Total capital | 6,626,000 | 6,655,000 | 6,725,000 | 6,666,000 |
| Risk-weighted assets | 43,134,000 | 48,075,000 | 50,923,000 | 50,025,000 |