Call reports 2020
CITIZENS SAVINGS BANK — 2020
What CITIZENS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 29,088,000 | 29,633,000 | 30,139,000 | 30,437,000 |
| Total loans | 10,465,000 | 9,379,000 | 9,356,000 | 8,662,000 |
| Allowance for loan losses | 147,000 | 147,000 | 147,000 | 147,000 |
| Securities available for sale | 5,775,000 | 6,797,000 | 6,783,000 | 6,745,000 |
| Securities held to maturity | 9,524,000 | 9,772,000 | 9,236,000 | 8,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,730,000 | 23,257,000 | 23,834,000 | 24,145,000 |
| Interest-bearing deposits | 18,114,000 | 18,356,000 | 17,907,000 | 18,097,000 |
| Noninterest-bearing deposits | 4,616,000 | 4,901,000 | 5,927,000 | 6,048,000 |
| Equity capital | 4,302,000 | 4,317,000 | 4,246,000 | 4,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 225,000 | 435,000 | 639,000 | 832,000 |
| Interest expense | 50,000 | 97,000 | 136,000 | 172,000 |
| Net interest income | 175,000 | 338,000 | 503,000 | 660,000 |
| Noninterest income | 20,000 | 33,000 | 47,000 | 59,000 |
| Noninterest expense | 121,000 | 247,000 | 381,000 | 498,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 123,000 | 168,000 | 220,000 |
| Income tax | -1,000 | 2,000 | 4,000 | 6,000 |
| Net income | 75,000 | 121,000 | 164,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,330,000 | 4,368,000 | 4,282,000 | 4,264,000 |