Call reports 2024
CITIZENS SAVINGS BANK — 2024
What CITIZENS SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 351,976,000 | 354,117,000 | 357,918,000 | 361,716,000 |
| Total loans | 295,595,000 | 298,642,000 | 297,951,000 | 296,808,000 |
| Allowance for loan losses | 1,091,000 | 1,122,000 | 1,114,000 | 1,064,000 |
| Securities available for sale | 29,523,000 | 29,257,000 | 37,831,000 | 37,265,000 |
| Securities held to maturity | 212,000 | 198,000 | 182,000 | 172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,575,000 | 302,426,000 | 305,489,000 | 309,161,000 |
| Interest-bearing deposits | 275,157,000 | 276,791,000 | 282,077,000 | 283,950,000 |
| Noninterest-bearing deposits | 25,418,000 | 25,635,000 | 23,412,000 | 25,211,000 |
| Equity capital | 50,076,000 | 50,272,000 | 51,029,000 | 51,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,182,000 | 6,423,000 | 9,754,000 | 13,101,000 |
| Interest expense | 1,416,000 | 2,738,000 | 4,201,000 | 5,746,000 |
| Net interest income | 1,766,000 | 3,685,000 | 5,553,000 | 7,355,000 |
| Noninterest income | 218,000 | 454,000 | 704,000 | 945,000 |
| Noninterest expense | 2,132,000 | 4,183,000 | 6,233,000 | 8,419,000 |
| Provision for loan losses | 2,000 | -1,000 | -9,000 | -60,000 |
| Pretax income | -2,984,000 | -2,886,000 | -2,808,000 | -2,882,000 |
| Income tax | 7,000 | 16,000 | 25,000 | -663,000 |
| Net income | -2,991,000 | -2,902,000 | -2,833,000 | -2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,247,000 | 52,334,000 | 52,405,000 | 53,019,000 |
| Total capital | 53,392,000 | 53,521,000 | 53,581,000 | 54,126,000 |
| Risk-weighted assets | 178,768,000 | 180,161,000 | 178,745,000 | 179,964,000 |