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 | 394,908,000 | 394,948,000 | 385,221,000 | 387,454,000 |
| Total loans | 275,394,000 | 281,513,000 | 285,874,000 | 289,666,000 |
| Allowance for loan losses | 1,149,000 | 1,187,000 | 1,200,000 | 1,195,000 |
| Securities available for sale | 81,113,000 | 78,755,000 | 76,774,000 | 72,097,000 |
| Securities held to maturity | 364,000 | 340,000 | 309,000 | 290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,403,000 | 343,335,000 | 335,501,000 | 336,759,000 |
| Interest-bearing deposits | 313,447,000 | 313,681,000 | 306,823,000 | 308,373,000 |
| Noninterest-bearing deposits | 28,956,000 | 29,654,000 | 28,678,000 | 28,386,000 |
| Equity capital | 50,904,000 | 50,211,000 | 48,174,000 | 48,963,000 |
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 | 2,666,000 | 5,417,000 | 8,266,000 | 11,124,000 |
| Interest expense | 195,000 | 391,000 | 598,000 | 937,000 |
| Net interest income | 2,471,000 | 5,026,000 | 7,668,000 | 10,187,000 |
| Noninterest income | 522,000 | 748,000 | 974,000 | 1,216,000 |
| Noninterest expense | 2,140,000 | 4,318,000 | 6,518,000 | 8,818,000 |
| Provision for loan losses | 40,000 | 79,000 | 92,000 | 105,000 |
| Pretax income | 813,000 | 1,377,000 | 2,032,000 | 2,228,000 |
| Income tax | 152,000 | 261,000 | 390,000 | 407,000 |
| Net income | 661,000 | 1,116,000 | 1,642,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,617,000 | 55,073,000 | 55,599,000 | 55,777,000 |
| Total capital | 55,766,000 | 56,260,000 | 56,799,000 | 56,972,000 |
| Risk-weighted assets | 179,761,000 | 182,600,000 | 184,102,000 | 186,439,000 |