Call reports 2024
CITIZENS SAVINGS BANK — 2024
What CITIZENS SAVINGS 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 | 70,604,000 | 75,646,000 | 71,468,000 | 77,554,000 |
| Total loans | 48,768,000 | 50,346,000 | 50,748,000 | 48,494,000 |
| Allowance for loan losses | 453,000 | 453,000 | 453,000 | 453,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,270,000 | 6,773,000 | 6,277,000 | 5,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,224,000 | 63,457,000 | 59,131,000 | 65,197,000 |
| Interest-bearing deposits | 39,564,000 | 42,998,000 | 38,020,000 | 42,156,000 |
| Noninterest-bearing deposits | 23,660,000 | 20,459,000 | 21,111,000 | 23,041,000 |
| Equity capital | 7,094,000 | 6,897,000 | 7,021,000 | 7,009,000 |
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 | 853,000 | 1,764,000 | 2,697,000 | 3,600,000 |
| Interest expense | 152,000 | 381,000 | 624,000 | 844,000 |
| Net interest income | 701,000 | 1,383,000 | 2,073,000 | 2,756,000 |
| Noninterest income | 38,000 | 49,000 | 97,000 | 128,000 |
| Noninterest expense | 472,000 | 920,000 | 1,385,000 | 1,930,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 267,000 | 512,000 | 785,000 | 954,000 |
| Income tax | 9,000 | 18,000 | 25,000 | 30,000 |
| Net income | 258,000 | 494,000 | 760,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,094,000 | 6,897,000 | 7,021,000 | 7,009,000 |
| Total capital | 7,547,000 | 7,350,000 | 7,474,000 | 7,462,000 |
| Risk-weighted assets | 48,771,000 | 51,338,000 | 50,724,000 | 51,367,000 |