Call reports 2017
CITIZENS SAVINGS BANK — 2017
What CITIZENS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 30,638,000 | 30,731,000 | 29,946,000 | 31,334,000 |
| Total loans | 10,124,000 | 10,109,000 | 10,223,000 | 10,528,000 |
| Allowance for loan losses | 142,000 | 143,000 | 143,000 | 141,000 |
| Securities available for sale | 1,745,000 | 3,751,000 | 2,750,000 | 2,723,000 |
| Securities held to maturity | 12,695,000 | 13,407,000 | 13,702,000 | 13,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,769,000 | 24,815,000 | 23,985,000 | 25,380,000 |
| Interest-bearing deposits | 19,089,000 | 19,314,000 | 19,102,000 | 19,181,000 |
| Noninterest-bearing deposits | 5,680,000 | 5,501,000 | 4,883,000 | 6,199,000 |
| Equity capital | 3,820,000 | 3,866,000 | 3,905,000 | 3,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 446,000 | 683,000 | 917,000 |
| Interest expense | 42,000 | 86,000 | 131,000 | 177,000 |
| Net interest income | 174,000 | 360,000 | 552,000 | 740,000 |
| Noninterest income | 20,000 | 42,000 | 67,000 | 85,000 |
| Noninterest expense | 114,000 | 252,000 | 400,000 | 545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 150,000 | 219,000 | 280,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 14,000 |
| Net income | 76,000 | 142,000 | 208,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,815,000 | 3,865,000 | 3,905,000 | 3,938,000 |
| Total capital | 3,957,000 | 4,008,000 | 4,048,000 | 4,079,000 |
| Risk-weighted assets | 17,057,000 | 18,135,000 | 18,941,000 | 19,275,000 |