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 | 136,475,000 | 139,133,000 | 139,758,000 | 138,273,000 |
| Total loans | 61,405,000 | 62,688,000 | 62,681,000 | 63,764,000 |
| Allowance for loan losses | 1,263,000 | 1,263,000 | 1,263,000 | 1,274,000 |
| Securities available for sale | 68,673,000 | 67,754,000 | 69,768,000 | 67,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,054,000 | 115,045,000 | 116,367,000 | 115,545,000 |
| Interest-bearing deposits | 99,064,000 | 103,188,000 | 104,086,000 | 101,421,000 |
| Noninterest-bearing deposits | 11,990,000 | 11,857,000 | 12,281,000 | 14,124,000 |
| Equity capital | 13,369,000 | 12,840,000 | 14,819,000 | 13,062,000 |
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 | 1,369,000 | 2,816,000 | 4,310,000 | 5,820,000 |
| Interest expense | 807,000 | 1,696,000 | 2,656,000 | 3,580,000 |
| Net interest income | 562,000 | 1,120,000 | 1,654,000 | 2,240,000 |
| Noninterest income | 27,000 | 52,000 | 78,000 | 126,000 |
| Noninterest expense | 463,000 | 936,000 | 1,428,000 | 1,988,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 126,000 | 236,000 | 304,000 | 378,000 |
| Income tax | 14,000 | 25,000 | 24,000 | 58,000 |
| Net income | 112,000 | 211,000 | 280,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,269,000 | 23,369,000 | 23,438,000 | 23,448,000 |