Call reports 2019
CITIZENS SAVINGS BANK — 2019
What CITIZENS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 28,611,000 | 27,950,000 | 27,809,000 | 29,215,000 |
| Total loans | 10,380,000 | 10,122,000 | 10,193,000 | 10,740,000 |
| Allowance for loan losses | 145,000 | 146,000 | 146,000 | 139,000 |
| Securities available for sale | 4,731,000 | 4,258,000 | 4,265,000 | 4,763,000 |
| Securities held to maturity | 11,668,000 | 10,922,000 | 10,822,000 | 9,844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,390,000 | 21,706,000 | 21,527,000 | 22,896,000 |
| Interest-bearing deposits | 18,187,000 | 17,413,000 | 17,416,000 | 17,318,000 |
| Noninterest-bearing deposits | 4,203,000 | 4,293,000 | 4,111,000 | 5,578,000 |
| Equity capital | 4,165,000 | 4,185,000 | 4,216,000 | 4,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 240,000 | 474,000 | 702,000 | 931,000 |
| Interest expense | 54,000 | 109,000 | 166,000 | 220,000 |
| Net interest income | 186,000 | 365,000 | 536,000 | 711,000 |
| Noninterest income | 25,000 | 43,000 | 63,000 | 79,000 |
| Noninterest expense | 112,000 | 261,000 | 374,000 | 509,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 147,000 | 225,000 | 281,000 |
| Income tax | 5,000 | 9,000 | 12,000 | 16,000 |
| Net income | 94,000 | 138,000 | 213,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,178,000 | 4,172,000 | 4,197,000 | 4,248,000 |
| Total capital | 4,323,000 | 4,317,000 | 4,343,000 | 4,387,000 |
| Risk-weighted assets | 17,194,000 | 16,637,000 | 16,749,000 | 17,130,000 |