Call reports 2022
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2022
What CITIZENS SAVINGS BANK AND TRUST COMPANY 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 | 134,401,000 | 137,430,000 | 139,972,000 | 149,827,000 |
| Total loans | 101,498,000 | 107,008,000 | 121,727,000 | 130,269,000 |
| Allowance for loan losses | 1,033,000 | 1,015,000 | 954,000 | 954,000 |
| Securities available for sale | 9,643,000 | 9,316,000 | 8,892,000 | 8,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,558,000 | 120,489,000 | 122,445,000 | 132,224,000 |
| Interest-bearing deposits | 94,079,000 | 93,259,000 | 97,120,000 | 106,405,000 |
| Noninterest-bearing deposits | 23,479,000 | 27,230,000 | 25,325,000 | 25,819,000 |
| Equity capital | 13,166,000 | 13,155,000 | 13,342,000 | 13,849,000 |
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 | 1,505,000 | 3,082,000 | 4,859,000 | 6,759,000 |
| Interest expense | 77,000 | 155,000 | 210,000 | 375,000 |
| Net interest income | 1,428,000 | 2,927,000 | 4,649,000 | 6,384,000 |
| Noninterest income | 140,000 | 220,000 | 487,000 | 587,000 |
| Noninterest expense | 1,273,000 | 2,654,000 | 4,062,000 | 6,032,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 295,000 | 493,000 | 1,074,000 | 939,000 |
| Income tax | 86,000 | 139,000 | 287,000 | -229,000 |
| Net income | 209,000 | 354,000 | 787,000 | 1,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,646,000 | 13,790,000 | 14,223,000 | 14,488,000 |
| Total capital | 14,679,000 | 14,805,000 | 15,177,000 | 15,442,000 |
| Risk-weighted assets | 102,157,000 | 106,031,000 | 119,882,000 | 125,457,000 |