Call reports 2014
CITIZENS SAVINGS BANK — 2014
What CITIZENS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 56,666,000 | 59,451,000 | 57,865,000 | 59,128,000 |
| Total loans | 39,443,000 | 39,913,000 | 41,426,000 | 40,962,000 |
| Allowance for loan losses | 205,000 | 205,000 | 205,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 563,000 | 532,000 | 481,000 | 460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,047,000 | 54,806,000 | 53,102,000 | 54,364,000 |
| Interest-bearing deposits | 38,286,000 | 40,815,000 | 39,060,000 | 38,888,000 |
| Noninterest-bearing deposits | 13,761,000 | 13,991,000 | 14,042,000 | 15,476,000 |
| Equity capital | 4,482,000 | 4,511,000 | 4,607,000 | 4,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 493,000 | 1,001,000 | 1,520,000 | 2,037,000 |
| Interest expense | 44,000 | 91,000 | 141,000 | 190,000 |
| Net interest income | 449,000 | 910,000 | 1,379,000 | 1,847,000 |
| Noninterest income | 79,000 | 150,000 | 217,000 | 276,000 |
| Noninterest expense | 359,000 | 716,000 | 1,070,000 | 1,505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 169,000 | 344,000 | 526,000 | 618,000 |
| Income tax | 9,000 | 18,000 | 26,000 | 35,000 |
| Net income | 160,000 | 326,000 | 500,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,482,000 | 4,511,000 | 4,607,000 | 4,573,000 |
| Total capital | 4,687,000 | 4,716,000 | 4,812,000 | 4,778,000 |
| Risk-weighted assets | 38,116,000 | 38,950,000 | 39,814,000 | 39,669,000 |
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