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 | 30,471,000 | 34,337,000 | 31,949,000 | 32,239,000 |
| Total loans | 5,884,000 | 6,116,000 | 6,197,000 | 5,587,000 |
| Allowance for loan losses | 146,000 | 146,000 | 146,000 | 146,000 |
| Securities available for sale | 14,646,000 | 18,981,000 | 18,726,000 | 18,994,000 |
| Securities held to maturity | 6,868,000 | 6,291,000 | 5,895,000 | 5,395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,583,000 | 30,059,000 | 28,301,000 | 28,564,000 |
| Interest-bearing deposits | 21,147,000 | 22,941,000 | 21,873,000 | 21,661,000 |
| Noninterest-bearing deposits | 4,436,000 | 7,118,000 | 6,428,000 | 6,903,000 |
| Equity capital | 2,868,000 | 2,258,000 | 1,622,000 | 1,653,000 |
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 | 154,000 | 326,000 | 534,000 | 746,000 |
| Interest expense | 23,000 | 45,000 | 71,000 | 113,000 |
| Net interest income | 131,000 | 281,000 | 463,000 | 633,000 |
| Noninterest income | 15,000 | 25,000 | 38,000 | 51,000 |
| Noninterest expense | 128,000 | 260,000 | 375,000 | 496,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 46,000 | 126,000 | 188,000 |
| Income tax | 3,000 | 4,000 | 8,000 | 11,000 |
| Net income | 15,000 | 42,000 | 118,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,369,000 | 4,397,000 | 4,472,000 | 4,531,000 |
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