Call reports 2024
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2024
What CITIZENS SAVINGS BANK AND TRUST COMPANY 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 | 176,156,000 | 179,848,000 | 182,093,000 | 180,798,000 |
| Total loans | 149,930,000 | 154,890,000 | 158,261,000 | 156,666,000 |
| Allowance for loan losses | 1,183,000 | 1,155,000 | 1,052,000 | 1,992,000 |
| Securities available for sale | 7,369,000 | 7,359,000 | 6,980,000 | 6,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,966,000 | 160,656,000 | 162,356,000 | 162,875,000 |
| Interest-bearing deposits | 130,629,000 | 135,626,000 | 139,527,000 | 138,979,000 |
| Noninterest-bearing deposits | 24,337,000 | 25,030,000 | 22,829,000 | 23,896,000 |
| Equity capital | 18,085,000 | 17,705,000 | 17,912,000 | 17,053,000 |
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 | 2,729,000 | 5,434,000 | 8,216,000 | 10,937,000 |
| Interest expense | 1,165,000 | 2,418,000 | 3,729,000 | 5,062,000 |
| Net interest income | 1,564,000 | 3,016,000 | 4,487,000 | 5,875,000 |
| Noninterest income | 90,000 | 232,000 | 484,000 | 626,000 |
| Noninterest expense | 1,857,000 | 3,576,000 | 5,188,000 | 7,017,000 |
| Provision for loan losses | 199,000 | 209,000 | 219,000 | 1,182,000 |
| Pretax income | -402,000 | -537,000 | -436,000 | -1,698,000 |
| Income tax | -59,000 | 38,000 | 92,000 | -380,000 |
| Net income | -343,000 | -575,000 | -528,000 | -1,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,698,000 | 18,340,000 | 18,400,000 | 17,384,000 |
| Total capital | 19,881,000 | 19,495,000 | 19,452,000 | 19,376,000 |
| Risk-weighted assets | 125,523,000 | 128,125,000 | 127,997,000 | 125,819,000 |