Call reports 2013
CITIZENS SAVINGS BANK — 2013
What CITIZENS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 56,572,000 | 56,985,000 | 54,691,000 | 54,846,000 |
| Total loans | 37,352,000 | 38,367,000 | 38,751,000 | 39,056,000 |
| Allowance for loan losses | 192,000 | 202,000 | 205,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 568,000 | 567,000 | 565,000 | 564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,097,000 | 52,484,000 | 50,108,000 | 50,287,000 |
| Interest-bearing deposits | 37,795,000 | 40,165,000 | 37,211,000 | 36,676,000 |
| Noninterest-bearing deposits | 14,302,000 | 12,319,000 | 12,897,000 | 13,611,000 |
| Equity capital | 4,354,000 | 4,375,000 | 4,428,000 | 4,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,005,000 | 1,519,000 | 2,024,000 |
| Interest expense | 46,000 | 95,000 | 142,000 | 188,000 |
| Net interest income | 453,000 | 910,000 | 1,377,000 | 1,836,000 |
| Noninterest income | 73,000 | 139,000 | 201,000 | 275,000 |
| Noninterest expense | 375,000 | 740,000 | 1,107,000 | 1,520,000 |
| Provision for loan losses | 14,000 | 27,000 | 30,000 | 34,000 |
| Pretax income | 137,000 | 282,000 | 441,000 | 557,000 |
| Income tax | 7,000 | 14,000 | 23,000 | 30,000 |
| Net income | 130,000 | 268,000 | 418,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,354,000 | 4,375,000 | 4,428,000 | 4,400,000 |
| Total capital | 4,546,000 | 4,577,000 | 4,633,000 | 4,605,000 |
| Risk-weighted assets | 36,526,000 | 38,245,000 | 37,891,000 | 37,673,000 |