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 | 297,407,000 | 300,226,000 | 305,974,000 | 307,176,000 |
| Total loans | 231,876,000 | 236,952,000 | 241,138,000 | 243,499,000 |
| Allowance for loan losses | 5,909,000 | 6,047,000 | 6,217,000 | 6,461,000 |
| Securities available for sale | 41,053,000 | 41,058,000 | 42,238,000 | 40,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,003,000 | 259,171,000 | 262,706,000 | 266,643,000 |
| Interest-bearing deposits | 201,659,000 | 201,573,000 | 205,959,000 | 210,966,000 |
| Noninterest-bearing deposits | 56,344,000 | 57,598,000 | 56,747,000 | 55,677,000 |
| Equity capital | 37,129,000 | 37,808,000 | 39,379,000 | 38,821,000 |
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 | 4,354,000 | 8,880,000 | 13,463,000 | 18,244,000 |
| Interest expense | 1,449,000 | 2,944,000 | 4,517,000 | 6,195,000 |
| Net interest income | 2,905,000 | 5,936,000 | 8,946,000 | 12,049,000 |
| Noninterest income | 291,000 | 499,000 | 704,000 | 740,000 |
| Noninterest expense | 2,422,000 | 4,890,000 | 7,373,000 | 9,602,000 |
| Provision for loan losses | 75,000 | 220,000 | 405,000 | 630,000 |
| Pretax income | 699,000 | 1,325,000 | 1,872,000 | 2,557,000 |
| Income tax | 139,000 | 262,000 | 368,000 | 504,000 |
| Net income | 560,000 | 1,063,000 | 1,504,000 | 2,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,706,000 | 42,209,000 | 42,649,000 | 43,187,000 |