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 | 136,614,000 | 134,712,000 | 130,259,000 | 130,783,000 |
| Total loans | 55,560,000 | 54,391,000 | 54,519,000 | 55,610,000 |
| Allowance for loan losses | 1,133,000 | 1,152,000 | 1,170,000 | 1,189,000 |
| Securities available for sale | 71,702,000 | 70,386,000 | 65,339,000 | 68,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,461,000 | 112,760,000 | 111,554,000 | 102,055,000 |
| Interest-bearing deposits | 96,680,000 | 98,011,000 | 97,445,000 | 86,483,000 |
| Noninterest-bearing deposits | 13,781,000 | 14,749,000 | 14,109,000 | 15,572,000 |
| Equity capital | 15,890,000 | 11,834,000 | 8,577,000 | 11,439,000 |
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 | 1,099,000 | 2,235,000 | 3,418,000 | 4,600,000 |
| Interest expense | 201,000 | 403,000 | 667,000 | 1,054,000 |
| Net interest income | 898,000 | 1,832,000 | 2,751,000 | 3,546,000 |
| Noninterest income | 29,000 | 58,000 | 92,000 | 124,000 |
| Noninterest expense | 450,000 | 904,000 | 1,394,000 | 2,046,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 459,000 | 950,000 | 1,395,000 | 1,552,000 |
| Income tax | 34,000 | 68,000 | 90,000 | 118,000 |
| Net income | 425,000 | 882,000 | 1,305,000 | 1,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,927,000 | 22,384,000 | 22,806,000 | 22,808,000 |