Call reports 2018
CITIZENS SAVINGS BANK — 2018
What CITIZENS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 30,421,000 | 30,502,000 | 29,731,000 | 30,583,000 |
| Total loans | 10,447,000 | 10,519,000 | 10,502,000 | 11,091,000 |
| Allowance for loan losses | 142,000 | 142,000 | 142,000 | 144,000 |
| Securities available for sale | 3,678,000 | 3,163,000 | 4,140,000 | 4,670,000 |
| Securities held to maturity | 13,759,000 | 13,201,000 | 11,881,000 | 11,868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,428,000 | 24,470,000 | 23,668,000 | 24,415,000 |
| Interest-bearing deposits | 19,146,000 | 18,745,000 | 19,529,000 | 18,616,000 |
| Noninterest-bearing deposits | 5,282,000 | 5,726,000 | 4,139,000 | 5,799,000 |
| Equity capital | 3,945,000 | 3,980,000 | 4,000,000 | 4,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 238,000 | 481,000 | 726,000 | 976,000 |
| Interest expense | 37,000 | 79,000 | 126,000 | 177,000 |
| Net interest income | 201,000 | 402,000 | 600,000 | 799,000 |
| Noninterest income | 20,000 | 38,000 | 61,000 | 80,000 |
| Noninterest expense | 124,000 | 265,000 | 388,000 | 517,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 97,000 | 175,000 | 273,000 | 362,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 17,000 |
| Net income | 93,000 | 166,000 | 260,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,010,000 | 4,060,000 | 4,104,000 | 4,188,000 |
| Total capital | 4,152,000 | 4,202,000 | 4,246,000 | 4,332,000 |
| Risk-weighted assets | 18,366,000 | 18,996,000 | 18,045,000 | 18,342,000 |