Call reports 2017
CITIZENS SAVINGS BANK — 2017
What CITIZENS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 59,906,000 | 59,593,000 | 57,290,000 | 58,004,000 |
| Total loans | 40,998,000 | 41,222,000 | 41,523,000 | 40,680,000 |
| Allowance for loan losses | 214,000 | 223,000 | 232,000 | 240,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 263,000 | 263,000 | 222,000 | 222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,774,000 | 54,431,000 | 52,066,000 | 52,703,000 |
| Interest-bearing deposits | 37,979,000 | 38,148,000 | 35,434,000 | 35,371,000 |
| Noninterest-bearing deposits | 16,795,000 | 16,283,000 | 16,632,000 | 17,332,000 |
| Equity capital | 4,758,000 | 4,776,000 | 4,841,000 | 4,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 502,000 | 1,038,000 | 1,588,000 | 2,135,000 |
| Interest expense | 31,000 | 64,000 | 98,000 | 129,000 |
| Net interest income | 471,000 | 974,000 | 1,490,000 | 2,006,000 |
| Noninterest income | 70,000 | 129,000 | 225,000 | 287,000 |
| Noninterest expense | 401,000 | 774,000 | 1,228,000 | 1,675,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 37,000 |
| Pretax income | 131,000 | 311,000 | 460,000 | 581,000 |
| Income tax | 4,000 | 11,000 | 17,000 | 23,000 |
| Net income | 127,000 | 300,000 | 443,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,758,000 | 4,776,000 | 4,841,000 | 4,917,000 |
| Total capital | 4,972,000 | 4,999,000 | 5,073,000 | 5,157,000 |
| Risk-weighted assets | 37,775,000 | 39,343,000 | 39,551,000 | 39,734,000 |