Call reports 2013
CITIZENS SAVINGS BANK — 2013
What CITIZENS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 28,502,000 | 27,780,000 | 27,163,000 | 29,214,000 |
| Total loans | 7,519,000 | 7,249,000 | 8,022,000 | 8,592,000 |
| Allowance for loan losses | 157,000 | 163,000 | 168,000 | 168,000 |
| Securities available for sale | 6,248,000 | 6,060,000 | 6,077,000 | 6,057,000 |
| Securities held to maturity | 7,171,000 | 7,606,000 | 7,606,000 | 7,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,011,000 | 22,440,000 | 21,813,000 | 23,892,000 |
| Interest-bearing deposits | 18,568,000 | 18,379,000 | 18,167,000 | 17,525,000 |
| Noninterest-bearing deposits | 4,443,000 | 4,061,000 | 3,645,000 | 6,367,000 |
| Equity capital | 3,441,000 | 3,295,000 | 3,303,000 | 3,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 195,000 | 388,000 | 582,000 | 778,000 |
| Interest expense | 51,000 | 101,000 | 151,000 | 198,000 |
| Net interest income | 144,000 | 287,000 | 431,000 | 580,000 |
| Noninterest income | 28,000 | 70,000 | 91,000 | 118,000 |
| Noninterest expense | 121,000 | 240,000 | 380,000 | 527,000 |
| Provision for loan losses | 9,000 | 15,000 | 21,000 | 21,000 |
| Pretax income | 42,000 | 102,000 | 121,000 | 150,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 10,000 |
| Net income | 39,000 | 97,000 | 114,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,443,000 | 3,475,000 | 3,467,000 | 3,469,000 |
| Total capital | 3,600,000 | 3,638,000 | 3,635,000 | 3,637,000 |
| Risk-weighted assets | 13,739,000 | 13,529,000 | 14,014,000 | 14,893,000 |
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