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 | 158,707,000 | 150,603,000 | 166,804,000 | 160,809,000 |
| Total loans | 57,537,000 | 58,498,000 | 58,480,000 | 64,295,000 |
| Allowance for loan losses | 678,000 | 679,000 | 681,000 | 682,000 |
| Securities available for sale | 40,542,000 | 39,213,000 | 36,829,000 | 35,545,000 |
| Securities held to maturity | 44,437,000 | 44,423,000 | 44,424,000 | 44,419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,728,000 | 138,115,000 | 154,282,000 | 148,416,000 |
| Interest-bearing deposits | 124,753,000 | 117,233,000 | 135,069,000 | 126,105,000 |
| Noninterest-bearing deposits | 21,975,000 | 20,882,000 | 19,213,000 | 22,311,000 |
| Equity capital | 8,820,000 | 9,202,000 | 10,230,000 | 10,241,000 |
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 | 1,403,000 | 2,858,000 | 4,299,000 | 5,922,000 |
| Interest expense | 444,000 | 924,000 | 1,375,000 | 1,957,000 |
| Net interest income | 959,000 | 1,934,000 | 2,924,000 | 3,965,000 |
| Noninterest income | 66,000 | 144,000 | 226,000 | 310,000 |
| Noninterest expense | 749,000 | 1,471,000 | 2,212,000 | 2,998,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 277,000 | 600,000 | 934,000 | 1,289,000 |
| Income tax | 16,000 | 34,000 | 47,000 | 57,000 |
| Net income | 261,000 | 566,000 | 887,000 | 1,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,062,000 | 15,163,000 | 15,254,000 | 15,351,000 |
| Total capital | 15,745,000 | 15,847,000 | 15,940,000 | 16,038,000 |
| Risk-weighted assets | 78,455,000 | 77,736,000 | 82,056,000 | 86,106,000 |