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 |
|---|---|---|---|
| Total assets | 29,216,000 | 32,251,000 | 31,168,000 |
| Total loans | 5,023,000 | 4,997,000 | 5,131,000 |
| Allowance for loan losses | 146,000 | 146,000 | 146,000 |
| Securities available for sale | 17,424,000 | 17,319,000 | 17,026,000 |
| Securities held to maturity | 4,832,000 | 4,465,000 | 4,314,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 26,159,000 | 30,193,000 | 29,334,000 |
| Interest-bearing deposits | 21,543,000 | 21,893,000 | 22,029,000 |
| Noninterest-bearing deposits | 4,616,000 | 8,300,000 | 7,305,000 |
| Equity capital | 2,022,000 | 1,996,000 | 1,759,000 |
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 |
|---|---|---|---|
| Interest income | 205,000 | 438,000 | 684,000 |
| Interest expense | 46,000 | 117,000 | 192,000 |
| Net interest income | 159,000 | 321,000 | 492,000 |
| Noninterest income | 14,000 | 25,000 | 38,000 |
| Noninterest expense | 145,000 | 264,000 | 398,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 28,000 | 106,000 | 156,000 |
| Income tax | 2,000 | 4,000 | 8,000 |
| Net income | 26,000 | 102,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Tier 1 capital | 4,508,000 | 4,584,000 | 4,629,000 |