Call reports 2015
CITIZENS SAVINGS BANK — 2015
What CITIZENS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,898,000 | 59,414,000 | 56,293,000 | 60,168,000 |
| Total loans | 39,754,000 | 41,277,000 | 42,386,000 | 41,589,000 |
| Allowance for loan losses | 216,000 | 232,000 | 216,000 | 225,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 409,000 | 408,000 | 377,000 | 356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,166,000 | 54,656,000 | 51,425,000 | 55,299,000 |
| Interest-bearing deposits | 41,773,000 | 41,218,000 | 37,556,000 | 38,759,000 |
| Noninterest-bearing deposits | 14,393,000 | 13,438,000 | 13,869,000 | 16,540,000 |
| Equity capital | 4,593,000 | 4,622,000 | 4,706,000 | 4,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 504,000 | 1,023,000 | 1,579,000 | 2,112,000 |
| Interest expense | 41,000 | 80,000 | 117,000 | 150,000 |
| Net interest income | 463,000 | 943,000 | 1,462,000 | 1,962,000 |
| Noninterest income | 68,000 | 131,000 | 192,000 | 258,000 |
| Noninterest expense | 355,000 | 708,000 | 1,062,000 | 1,540,000 |
| Provision for loan losses | 11,000 | 27,000 | 42,000 | 56,000 |
| Pretax income | 165,000 | 339,000 | 550,000 | 624,000 |
| Income tax | 9,000 | 17,000 | 27,000 | 36,000 |
| Net income | 156,000 | 322,000 | 523,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,593,000 | 4,622,000 | 4,706,000 | 4,654,000 |
| Total capital | 4,809,000 | 4,854,000 | 4,922,000 | 4,879,000 |
| Risk-weighted assets | 38,822,000 | 39,827,000 | 39,876,000 | 39,999,000 |