Call reports 2026
CITIZENS SAVINGS BANK — 2026
What CITIZENS SAVINGS BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 76,907,000 | 77,929,000 |
| Total loans | 48,600,000 | 49,816,000 |
| Allowance for loan losses | 451,000 | 467,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 1,273,000 | 1,272,000 |
| Trading assets | 0 | 0 |
| Total deposits | 63,652,000 | 64,598,000 |
| Interest-bearing deposits | 41,754,000 | 41,640,000 |
| Noninterest-bearing deposits | 21,898,000 | 22,958,000 |
| Equity capital | 7,872,000 | 7,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 926,000 | 1,906,000 |
| Interest expense | 195,000 | 416,000 |
| Net interest income | 731,000 | 1,490,000 |
| Noninterest income | 40,000 | 1,000 |
| Noninterest expense | 505,000 | 1,057,000 |
| Provision for loan losses | 0 | 16,000 |
| Pretax income | 266,000 | 418,000 |
| Income tax | 4,000 | 7,000 |
| Net income | 262,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 7,872,000 | 7,982,000 |
| Total capital | 8,323,000 | — |
| Risk-weighted assets | 54,309,000 | — |