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 | 283,904,000 | 289,785,000 | 286,259,000 | 291,725,000 |
| Total loans | 210,130,000 | 217,125,000 | 219,350,000 | 226,277,000 |
| Allowance for loan losses | 5,042,000 | 5,137,000 | 5,222,000 | 5,820,000 |
| Securities available for sale | 47,353,000 | 45,296,000 | 42,467,000 | 42,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,920,000 | 247,644,000 | 245,916,000 | 245,519,000 |
| Interest-bearing deposits | 179,435,000 | 185,616,000 | 187,074,000 | 187,415,000 |
| Noninterest-bearing deposits | 64,485,000 | 62,028,000 | 58,842,000 | 58,104,000 |
| Equity capital | 35,150,000 | 35,511,000 | 34,782,000 | 36,702,000 |
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 | 3,570,000 | 7,282,000 | 11,155,000 | 15,228,000 |
| Interest expense | 735,000 | 1,681,000 | 2,785,000 | 4,070,000 |
| Net interest income | 2,835,000 | 5,601,000 | 8,370,000 | 11,158,000 |
| Noninterest income | 275,000 | 603,000 | 821,000 | 1,042,000 |
| Noninterest expense | 2,425,000 | 4,828,000 | 7,264,000 | 9,315,000 |
| Provision for loan losses | 85,000 | 190,000 | 295,000 | 900,000 |
| Pretax income | 600,000 | 1,178,000 | 1,624,000 | 1,979,000 |
| Income tax | 125,000 | 238,000 | 324,000 | 391,000 |
| Net income | 475,000 | 940,000 | 1,300,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,033,000 | 40,499,000 | 40,859,000 | 41,146,000 |