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 | 169,051,000 | 154,357,000 | 159,986,000 | 151,071,000 |
| Total loans | 58,361,000 | 56,667,000 | 57,533,000 | 56,654,000 |
| Allowance for loan losses | 675,000 | 675,000 | 677,000 | 678,000 |
| Securities available for sale | 47,391,000 | 41,812,000 | 40,472,000 | 41,014,000 |
| Securities held to maturity | 44,404,000 | 44,412,000 | 44,418,000 | 44,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,364,000 | 145,763,000 | 150,885,000 | 138,310,000 |
| Interest-bearing deposits | 137,607,000 | 123,035,000 | 129,403,000 | 118,164,000 |
| Noninterest-bearing deposits | 21,757,000 | 22,728,000 | 21,482,000 | 20,146,000 |
| Equity capital | 7,647,000 | 7,471,000 | 7,502,000 | 8,607,000 |
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 | 1,280,000 | 2,610,000 | 4,027,000 | 5,378,000 |
| Interest expense | 256,000 | 598,000 | 955,000 | 1,374,000 |
| Net interest income | 1,024,000 | 2,012,000 | 3,072,000 | 4,004,000 |
| Noninterest income | 82,000 | 200,000 | 274,000 | 349,000 |
| Noninterest expense | 724,000 | 1,439,000 | 2,163,000 | 2,895,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 386,000 | 774,000 | 1,192,000 | 1,480,000 |
| Income tax | 18,000 | 36,000 | 55,000 | 69,000 |
| Net income | 368,000 | 738,000 | 1,137,000 | 1,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,689,000 | 14,798,000 | 14,925,000 | 14,977,000 |
| Total capital | 15,364,000 | 15,473,000 | 15,602,000 | 15,655,000 |
| Risk-weighted assets | 82,233,000 | 79,531,000 | 80,489,000 | 75,372,000 |