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 | 132,574,000 | 132,247,000 | 127,714,000 | 134,613,000 |
| Total loans | 56,598,000 | 56,207,000 | 56,328,000 | 57,688,000 |
| Allowance for loan losses | 1,207,000 | 1,226,000 | 1,244,000 | 1,263,000 |
| Securities available for sale | 69,271,000 | 68,653,000 | 62,789,000 | 70,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,570,000 | 105,083,000 | 104,895,000 | 107,076,000 |
| Interest-bearing deposits | 91,224,000 | 92,991,000 | 92,026,000 | 91,929,000 |
| Noninterest-bearing deposits | 12,346,000 | 12,092,000 | 12,869,000 | 15,147,000 |
| Equity capital | 12,809,000 | 12,743,000 | 8,580,000 | 14,266,000 |
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 | 1,228,000 | 2,488,000 | 3,763,000 | 5,067,000 |
| Interest expense | 583,000 | 1,251,000 | 1,985,000 | 2,745,000 |
| Net interest income | 645,000 | 1,237,000 | 1,778,000 | 2,322,000 |
| Noninterest income | 29,000 | 61,000 | 89,000 | 123,000 |
| Noninterest expense | 461,000 | 929,000 | 1,410,000 | 1,964,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 195,000 | 324,000 | 394,000 | 400,000 |
| Income tax | -21,000 | -58,000 | -109,000 | 6,000 |
| Net income | 216,000 | 382,000 | 503,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,024,000 | 23,190,000 | 23,312,000 | 23,157,000 |