Call reports 2019
CITIZENS SAVINGS BANK — 2019
What CITIZENS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 61,112,000 | 61,365,000 | 59,093,000 | 63,256,000 |
| Total loans | 45,264,000 | 46,598,000 | 48,577,000 | 48,521,000 |
| Allowance for loan losses | 288,000 | 303,000 | 318,000 | 323,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 260,000 | 230,000 | 230,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,518,000 | 55,673,000 | 53,341,000 | 57,493,000 |
| Interest-bearing deposits | 37,825,000 | 39,387,000 | 36,829,000 | 38,004,000 |
| Noninterest-bearing deposits | 17,693,000 | 16,286,000 | 16,512,000 | 19,489,000 |
| Equity capital | 5,244,000 | 5,305,000 | 5,377,000 | 5,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 638,000 | 1,303,000 | 1,975,000 | 2,634,000 |
| Interest expense | 94,000 | 199,000 | 304,000 | 407,000 |
| Net interest income | 544,000 | 1,104,000 | 1,671,000 | 2,227,000 |
| Noninterest income | 63,000 | 116,000 | 169,000 | 222,000 |
| Noninterest expense | 386,000 | 761,000 | 1,130,000 | 1,693,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 50,000 |
| Pretax income | 206,000 | 429,000 | 665,000 | 706,000 |
| Income tax | 9,000 | 14,000 | 22,000 | 32,000 |
| Net income | 197,000 | 415,000 | 643,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,244,000 | 5,305,000 | 5,377,000 | 5,252,000 |
| Total capital | 5,532,000 | 5,608,000 | 5,695,000 | 5,575,000 |
| Risk-weighted assets | 43,236,000 | 44,563,000 | 46,244,000 | 46,368,000 |