Call reports 2016
CITIZENS SAVINGS BANK — 2016
What CITIZENS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 58,917,000 | 60,901,000 | 56,904,000 | 59,083,000 |
| Total loans | 40,982,000 | 41,315,000 | 40,488,000 | 40,015,000 |
| Allowance for loan losses | 233,000 | 240,000 | 248,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 326,000 | 325,000 | 294,000 | 274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,058,000 | 55,992,000 | 51,920,000 | 54,027,000 |
| Interest-bearing deposits | 38,958,000 | 39,719,000 | 37,083,000 | 37,488,000 |
| Noninterest-bearing deposits | 15,100,000 | 16,273,000 | 14,837,000 | 16,539,000 |
| Equity capital | 4,740,000 | 4,768,000 | 4,783,000 | 4,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 544,000 | 1,068,000 | 1,598,000 | 2,101,000 |
| Interest expense | 32,000 | 65,000 | 96,000 | 126,000 |
| Net interest income | 512,000 | 1,003,000 | 1,502,000 | 1,975,000 |
| Noninterest income | 76,000 | 141,000 | 200,000 | 239,000 |
| Noninterest expense | 345,000 | 704,000 | 1,057,000 | 1,534,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 7,000 |
| Pretax income | 235,000 | 425,000 | 622,000 | 673,000 |
| Income tax | 12,000 | 19,000 | 26,000 | 32,000 |
| Net income | 223,000 | 406,000 | 596,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,740,000 | 4,768,000 | 4,783,000 | 4,749,000 |
| Total capital | 4,973,000 | 5,008,000 | 5,031,000 | 4,954,000 |
| Risk-weighted assets | 39,493,000 | 40,092,000 | 39,189,000 | 39,123,000 |