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 | 176,012,000 | 160,491,000 | 166,342,000 | 159,630,000 |
| Total loans | 56,763,000 | 55,611,000 | 54,418,000 | 58,850,000 |
| Allowance for loan losses | 675,000 | 671,000 | 671,000 | 675,000 |
| Securities available for sale | 89,933,000 | 90,683,000 | 50,287,000 | 47,617,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 42,679,000 | 44,393,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,795,000 | 151,551,000 | 157,109,000 | 150,010,000 |
| Interest-bearing deposits | 136,387,000 | 127,467,000 | 133,730,000 | 125,332,000 |
| Noninterest-bearing deposits | 26,408,000 | 24,084,000 | 23,379,000 | 24,678,000 |
| Equity capital | 10,045,000 | 7,030,000 | 6,408,000 | 6,938,000 |
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 | 1,089,000 | 2,199,000 | 3,363,000 | 4,617,000 |
| Interest expense | 87,000 | 170,000 | 251,000 | 417,000 |
| Net interest income | 1,002,000 | 2,029,000 | 3,112,000 | 4,200,000 |
| Noninterest income | 66,000 | 158,000 | 241,000 | 319,000 |
| Noninterest expense | 659,000 | 1,314,000 | 2,015,000 | 2,753,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 409,000 | 873,000 | 1,328,000 | 1,765,000 |
| Income tax | 20,000 | 43,000 | 65,000 | 86,000 |
| Net income | 389,000 | 830,000 | 1,263,000 | 1,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,122,000 | 14,293,000 | 14,470,000 | 14,582,000 |
| Total capital | 14,797,000 | 14,964,000 | 15,141,000 | 15,257,000 |
| Risk-weighted assets | 78,634,000 | 79,621,000 | 76,944,000 | 80,665,000 |