Call reports 2023
CITIZENS SAVINGS BANK — 2023
What CITIZENS SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 76,364,000 | 75,578,000 | 73,387,000 | 75,504,000 |
| Total loans | 46,387,000 | 47,305,000 | 48,186,000 | 46,199,000 |
| Allowance for loan losses | 439,000 | 451,000 | 453,000 | 453,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,276,000 | 8,274,000 | 8,273,000 | 8,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,747,000 | 68,661,000 | 66,183,000 | 68,138,000 |
| Interest-bearing deposits | 42,056,000 | 42,280,000 | 41,024,000 | 42,708,000 |
| Noninterest-bearing deposits | 27,691,000 | 26,381,000 | 25,159,000 | 25,430,000 |
| Equity capital | 6,428,000 | 6,636,000 | 6,879,000 | 6,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 820,000 | 1,673,000 | 2,520,000 | 3,389,000 |
| Interest expense | 96,000 | 221,000 | 349,000 | 498,000 |
| Net interest income | 724,000 | 1,452,000 | 2,171,000 | 2,891,000 |
| Noninterest income | 34,000 | 57,000 | 84,000 | 97,000 |
| Noninterest expense | 430,000 | 829,000 | 1,237,000 | 1,803,000 |
| Provision for loan losses | 12,000 | 23,000 | 25,000 | 25,000 |
| Pretax income | 316,000 | 657,000 | 993,000 | 1,160,000 |
| Income tax | 11,000 | 26,000 | 42,000 | 56,000 |
| Net income | 305,000 | 631,000 | 951,000 | 1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,428,000 | 6,636,000 | 6,879,000 | 6,953,000 |
| Total capital | 6,868,000 | 7,087,000 | 7,332,000 | 7,406,000 |
| Risk-weighted assets | 48,340,000 | 48,298,000 | 49,044,000 | 47,362,000 |