Call reports 2018
CITIZENS SAVINGS BANK — 2018
What CITIZENS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 57,700,000 | 59,204,000 | 59,180,000 | 61,122,000 |
| Total loans | 42,200,000 | 45,992,000 | 46,296,000 | 44,781,000 |
| Allowance for loan losses | 253,000 | 268,000 | 283,000 | 295,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 222,000 | 221,000 | 270,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,409,000 | 52,832,000 | 52,710,000 | 55,508,000 |
| Interest-bearing deposits | 35,671,000 | 35,487,000 | 34,311,000 | 36,241,000 |
| Noninterest-bearing deposits | 16,738,000 | 17,345,000 | 18,399,000 | 19,267,000 |
| Equity capital | 4,952,000 | 4,997,000 | 5,090,000 | 5,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 549,000 | 1,140,000 | 1,773,000 | 2,421,000 |
| Interest expense | 39,000 | 98,000 | 175,000 | 260,000 |
| Net interest income | 510,000 | 1,042,000 | 1,598,000 | 2,161,000 |
| Noninterest income | 73,000 | 141,000 | 201,000 | 255,000 |
| Noninterest expense | 411,000 | 808,000 | 1,190,000 | 1,694,000 |
| Provision for loan losses | 14,000 | 29,000 | 44,000 | 56,000 |
| Pretax income | 158,000 | 346,000 | 565,000 | 666,000 |
| Income tax | 6,000 | 12,000 | 22,000 | 30,000 |
| Net income | 152,000 | 334,000 | 543,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,952,000 | 4,997,000 | 5,090,000 | 5,143,000 |
| Total capital | 5,205,000 | 5,265,000 | 5,373,000 | 5,438,000 |
| Risk-weighted assets | 40,563,000 | 43,984,000 | 44,387,000 | 43,501,000 |