Call reports 2026
CITIZENS SAVINGS BANK — 2026
What CITIZENS SAVINGS BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 175,037,000 | 165,860,000 |
| Total loans | 70,426,000 | 69,358,000 |
| Allowance for loan losses | 717,000 | 718,000 |
| Securities available for sale | 33,096,000 | 37,978,000 |
| Securities held to maturity | 44,413,000 | 44,407,000 |
| Trading assets | 0 | 0 |
| Total deposits | 159,377,000 | 151,311,000 |
| Interest-bearing deposits | 138,062,000 | 130,182,000 |
| Noninterest-bearing deposits | 21,315,000 | 21,129,000 |
| Equity capital | 12,626,000 | 12,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,685,000 | 3,423,000 |
| Interest expense | 522,000 | 1,058,000 |
| Net interest income | 1,163,000 | 2,365,000 |
| Noninterest income | 71,000 | 153,000 |
| Noninterest expense | 811,000 | 1,609,000 |
| Provision for loan losses | 8,000 | 8,000 |
| Pretax income | 398,000 | 882,000 |
| Income tax | 17,000 | 35,000 |
| Net income | 381,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 15,858,000 | 16,017,000 |
| Total capital | 16,580,000 | 16,740,000 |
| Risk-weighted assets | 91,525,000 | 91,152,000 |