Call reports 2014
CITIZENS SAVINGS BANK — 2014
What CITIZENS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 27,955,000 | 28,191,000 | 27,900,000 | 30,756,000 |
| Total loans | 8,337,000 | 8,055,000 | 8,783,000 | 9,030,000 |
| Allowance for loan losses | 168,000 | 167,000 | 167,000 | 150,000 |
| Securities available for sale | 6,132,000 | 6,149,000 | 6,119,000 | 6,147,000 |
| Securities held to maturity | 7,811,000 | 7,604,000 | 7,504,000 | 7,496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,533,000 | 22,733,000 | 22,460,000 | 25,282,000 |
| Interest-bearing deposits | 18,044,000 | 18,278,000 | 17,964,000 | 18,319,000 |
| Noninterest-bearing deposits | 4,489,000 | 4,455,000 | 4,496,000 | 6,963,000 |
| Equity capital | 3,380,000 | 3,412,000 | 3,392,000 | 3,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 192,000 | 384,000 | 577,000 | 767,000 |
| Interest expense | 45,000 | 91,000 | 137,000 | 182,000 |
| Net interest income | 147,000 | 293,000 | 440,000 | 585,000 |
| Noninterest income | 30,000 | 59,000 | 91,000 | 124,000 |
| Noninterest expense | 128,000 | 260,000 | 403,000 | 536,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 49,000 | 92,000 | 128,000 | 173,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 47,000 | 88,000 | 122,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,492,000 | 3,508,000 | 3,517,000 | 3,534,000 |
| Total capital | 3,660,000 | 3,675,000 | 3,684,000 | 3,684,000 |
| Risk-weighted assets | 14,418,000 | 14,217,000 | 14,808,000 | 15,391,000 |
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