Call reports 2015
CITIZENS SAVINGS BANK — 2015
What CITIZENS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 29,225,000 | 28,582,000 | 28,958,000 | 31,019,000 |
| Total loans | 8,813,000 | 7,881,000 | 8,947,000 | 8,928,000 |
| Allowance for loan losses | 150,000 | 150,000 | 150,000 | 141,000 |
| Securities available for sale | 9,215,000 | 7,692,000 | 6,738,000 | 4,721,000 |
| Securities held to maturity | 7,401,000 | 8,460,000 | 9,834,000 | 10,757,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,652,000 | 23,007,000 | 23,300,000 | 25,363,000 |
| Interest-bearing deposits | 18,779,000 | 18,254,000 | 18,442,000 | 18,693,000 |
| Noninterest-bearing deposits | 4,873,000 | 4,753,000 | 4,858,000 | 6,670,000 |
| Equity capital | 3,528,000 | 3,527,000 | 3,601,000 | 3,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 192,000 | 387,000 | 591,000 | 789,000 |
| Interest expense | 44,000 | 89,000 | 132,000 | 174,000 |
| Net interest income | 148,000 | 298,000 | 459,000 | 615,000 |
| Noninterest income | 28,000 | 59,000 | 86,000 | 112,000 |
| Noninterest expense | 121,000 | 255,000 | 385,000 | 513,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 102,000 | 160,000 | 214,000 |
| Income tax | 3,000 | 4,000 | 7,000 | 11,000 |
| Net income | 52,000 | 98,000 | 153,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,528,000 | 3,585,000 | 3,612,000 | 3,609,000 |
| Total capital | 3,678,000 | 3,735,000 | 3,762,000 | 3,750,000 |
| Risk-weighted assets | 15,926,000 | 17,558,000 | 18,007,000 | 15,541,000 |