Call reports 2023
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2023
What CITIZENS SAVINGS BANK AND TRUST COMPANY 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 | 153,410,000 | 167,475,000 | 173,326,000 | 175,619,000 |
| Total loans | 133,611,000 | 141,896,000 | 147,333,000 | 150,602,000 |
| Allowance for loan losses | 1,083,000 | 879,000 | 906,000 | 1,287,000 |
| Securities available for sale | 9,005,000 | 8,421,000 | 7,771,000 | 7,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,598,000 | 145,531,000 | 151,184,000 | 153,863,000 |
| Interest-bearing deposits | 112,396,000 | 118,474,000 | 123,993,000 | 128,553,000 |
| Noninterest-bearing deposits | 23,202,000 | 27,057,000 | 27,191,000 | 25,310,000 |
| Equity capital | 14,047,000 | 18,109,000 | 18,281,000 | 18,426,000 |
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 | 1,989,000 | 4,199,000 | 6,701,000 | 9,617,000 |
| Interest expense | 358,000 | 910,000 | 1,601,000 | 2,570,000 |
| Net interest income | 1,631,000 | 3,289,000 | 5,100,000 | 7,047,000 |
| Noninterest income | 146,000 | 268,000 | 416,000 | 503,000 |
| Noninterest expense | 1,480,000 | 3,172,000 | 4,833,000 | 6,473,000 |
| Provision for loan losses | 0 | 0 | 0 | 538,000 |
| Pretax income | 297,000 | 385,000 | 683,000 | 539,000 |
| Income tax | 77,000 | 101,000 | 178,000 | 73,000 |
| Net income | 220,000 | 284,000 | 505,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,680,000 | 18,743,000 | 18,965,000 | 18,925,000 |
| Total capital | 15,763,000 | 19,622,000 | 19,872,000 | 20,212,000 |
| Risk-weighted assets | 122,223,000 | 125,325,000 | 131,123,000 | 128,505,000 |