Call reports 2016
CITIZENS SAVINGS BANK — 2016
What CITIZENS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 30,173,000 | 29,982,000 | 29,725,000 | 31,112,000 |
| Total loans | 10,220,000 | 10,217,000 | 10,356,000 | 10,322,000 |
| Allowance for loan losses | 141,000 | 141,000 | 141,000 | 141,000 |
| Securities available for sale | 4,730,000 | 3,761,000 | 2,759,000 | 1,727,000 |
| Securities held to maturity | 11,531,000 | 10,924,000 | 11,228,000 | 12,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,465,000 | 24,208,000 | 23,926,000 | 25,320,000 |
| Interest-bearing deposits | 19,603,000 | 19,185,000 | 18,926,000 | 19,142,000 |
| Noninterest-bearing deposits | 4,862,000 | 5,023,000 | 5,000,000 | 6,178,000 |
| Equity capital | 3,659,000 | 3,719,000 | 3,740,000 | 3,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 207,000 | 428,000 | 642,000 | 858,000 |
| Interest expense | 43,000 | 87,000 | 131,000 | 174,000 |
| Net interest income | 164,000 | 341,000 | 511,000 | 684,000 |
| Noninterest income | 25,000 | 47,000 | 68,000 | 89,000 |
| Noninterest expense | 120,000 | 260,000 | 401,000 | 524,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 128,000 | 178,000 | 249,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 13,000 |
| Net income | 66,000 | 122,000 | 170,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,659,000 | 3,719,000 | 3,740,000 | 3,773,000 |
| Total capital | 3,802,000 | 3,860,000 | 3,881,000 | 3,914,000 |
| Risk-weighted assets | 19,952,000 | 17,136,000 | 13,871,000 | 17,254,000 |