Call reports 2020
CITIZENS SAVINGS BANK — 2020
What CITIZENS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 64,826,000 | 67,717,000 | 69,747,000 | 75,973,000 |
| Total loans | 49,158,000 | 51,907,000 | 52,342,000 | 46,616,000 |
| Allowance for loan losses | 336,000 | 349,000 | 361,000 | 373,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 209,000 | 189,000 | 169,000 | 169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,162,000 | 60,872,000 | 63,915,000 | 70,188,000 |
| Interest-bearing deposits | 40,291,000 | 43,165,000 | 44,714,000 | 47,084,000 |
| Noninterest-bearing deposits | 16,871,000 | 17,707,000 | 19,201,000 | 23,104,000 |
| Equity capital | 5,327,000 | 5,476,000 | 5,491,000 | 5,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 648,000 | 1,372,000 | 1,997,000 | 2,571,000 |
| Interest expense | 99,000 | 184,000 | 257,000 | 309,000 |
| Net interest income | 549,000 | 1,188,000 | 1,740,000 | 2,262,000 |
| Noninterest income | 64,000 | 99,000 | 143,000 | 191,000 |
| Noninterest expense | 404,000 | 794,000 | 1,200,000 | 1,725,000 |
| Provision for loan losses | 13,000 | 26,000 | 38,000 | 50,000 |
| Pretax income | 196,000 | 467,000 | 645,000 | 678,000 |
| Income tax | 4,000 | 9,000 | 16,000 | 20,000 |
| Net income | 192,000 | 458,000 | 629,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,327,000 | 5,476,000 | 5,491,000 | 5,390,000 |
| Total capital | 5,663,000 | 5,825,000 | 5,852,000 | 5,763,000 |
| Risk-weighted assets | 47,502,000 | 48,481,000 | 49,232,000 | 44,352,000 |