Call reports 2021
CITIZENS SAVINGS BANK — 2021
What CITIZENS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 74,735,000 | 76,745,000 | 73,864,000 | 77,922,000 |
| Total loans | 49,920,000 | 48,554,000 | 46,338,000 | 43,606,000 |
| Allowance for loan losses | 385,000 | 398,000 | 411,000 | 423,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 159,000 | 159,000 | 129,000 | 6,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,716,000 | 70,515,000 | 67,654,000 | 71,233,000 |
| Interest-bearing deposits | 43,755,000 | 47,338,000 | 44,269,000 | 42,526,000 |
| Noninterest-bearing deposits | 24,961,000 | 23,177,000 | 23,385,000 | 28,707,000 |
| Equity capital | 5,748,000 | 5,920,000 | 5,920,000 | 6,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,647,000 | 2,175,000 | 2,680,000 |
| Interest expense | 26,000 | 45,000 | 65,000 | 80,000 |
| Net interest income | 858,000 | 1,602,000 | 2,110,000 | 2,600,000 |
| Noninterest income | 50,000 | 94,000 | 122,000 | 150,000 |
| Noninterest expense | 412,000 | 826,000 | 1,210,000 | 1,861,000 |
| Provision for loan losses | 12,000 | 25,000 | 38,000 | 50,000 |
| Pretax income | 484,000 | 845,000 | 984,000 | 839,000 |
| Income tax | 9,000 | 21,000 | 22,000 | 30,000 |
| Net income | 475,000 | 824,000 | 962,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,748,000 | 5,920,000 | 5,920,000 | 6,224,000 |
| Total capital | 6,133,000 | 6,318,000 | 6,331,000 | 6,647,000 |
| Risk-weighted assets | 43,299,000 | 41,928,000 | 43,262,000 | 42,252,000 |