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 | 276,825,000 | 273,587,000 | 271,697,000 | 278,738,000 |
| Total loans | 185,837,000 | 189,620,000 | 198,798,000 | 206,448,000 |
| Allowance for loan losses | 4,168,000 | 4,192,000 | 4,184,000 | 4,970,000 |
| Securities available for sale | 43,496,000 | 50,185,000 | 47,341,000 | 47,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,514,000 | 237,116,000 | 236,126,000 | 237,916,000 |
| Interest-bearing deposits | 173,366,000 | 167,035,000 | 171,014,000 | 171,429,000 |
| Noninterest-bearing deposits | 66,148,000 | 70,081,000 | 65,112,000 | 66,487,000 |
| Equity capital | 35,991,000 | 34,616,000 | 33,442,000 | 34,101,000 |
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 | 3,077,000 | 6,301,000 | 9,609,000 | 13,069,000 |
| Interest expense | 349,000 | 661,000 | 988,000 | 1,481,000 |
| Net interest income | 2,728,000 | 5,640,000 | 8,621,000 | 11,588,000 |
| Noninterest income | 243,000 | 472,000 | 667,000 | 812,000 |
| Noninterest expense | 2,214,000 | 4,598,000 | 6,904,000 | 9,217,000 |
| Provision for loan losses | 30,000 | 60,000 | 135,000 | 910,000 |
| Pretax income | 727,000 | 1,454,000 | 2,242,000 | 2,266,000 |
| Income tax | 151,000 | 294,000 | 455,000 | 455,000 |
| Net income | 576,000 | 1,160,000 | 1,787,000 | 1,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,323,000 | 38,907,000 | 39,534,000 | 39,558,000 |