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 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 387,875,000 | 382,507,000 | 371,508,000 | 373,490,000 |
| Total loans | 289,635,000 | 289,500,000 | 293,658,000 | 295,301,000 |
| Allowance for loan losses | 1,124,000 | 1,136,000 | 1,097,000 | 1,085,000 |
| Securities available for sale | 75,053,000 | 74,056,000 | 58,417,000 | 58,055,000 |
| Securities held to maturity | 273,000 | 258,000 | 240,000 | 227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,885,000 | 322,031,000 | 308,576,000 | 298,510,000 |
| Interest-bearing deposits | 306,062,000 | 294,573,000 | 283,402,000 | 271,863,000 |
| Noninterest-bearing deposits | 29,823,000 | 27,458,000 | 25,174,000 | 26,647,000 |
| Equity capital | 50,105,000 | 49,659,000 | 49,459,000 | 51,059,000 |
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 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,973,000 | 5,957,000 | 8,957,000 | 12,091,000 |
| Interest expense | 785,000 | 1,762,000 | 2,802,000 | 4,049,000 |
| Net interest income | 2,188,000 | 4,195,000 | 6,155,000 | 8,042,000 |
| Noninterest income | 227,000 | 461,000 | 714,000 | 967,000 |
| Noninterest expense | 2,151,000 | 4,243,000 | 6,352,000 | 8,404,000 |
| Provision for loan losses | -35,000 | -23,000 | -83,000 | -95,000 |
| Pretax income | 236,000 | 373,000 | -602,000 | -502,000 |
| Income tax | 129,000 | 203,000 | 27,000 | 35,000 |
| Net income | 107,000 | 170,000 | -629,000 | -537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,882,000 | 55,947,000 | 55,146,000 | 55,237,000 |
| Total capital | 57,068,000 | 57,145,000 | 56,292,000 | 56,371,000 |
| Risk-weighted assets | 185,348,000 | 184,209,000 | 183,270,000 | 184,065,000 |