Call reports 2021
CITIZENS SAVINGS BANK — 2021
What CITIZENS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 30,311,000 | 30,543,000 | 29,167,000 | 30,687,000 |
| Total loans | 7,862,000 | 6,726,000 | 6,821,000 | 6,347,000 |
| Allowance for loan losses | 147,000 | 147,000 | 147,000 | 146,000 |
| Securities available for sale | 10,438,000 | 13,448,000 | 13,987,000 | 13,781,000 |
| Securities held to maturity | 8,515,000 | 7,528,000 | 7,222,000 | 6,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,333,000 | 24,547,000 | 23,096,000 | 24,761,000 |
| Interest-bearing deposits | 19,932,000 | 19,664,000 | 19,689,000 | 19,510,000 |
| Noninterest-bearing deposits | 4,401,000 | 4,883,000 | 3,407,000 | 5,251,000 |
| Equity capital | 3,945,000 | 3,968,000 | 4,036,000 | 3,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 175,000 | 347,000 | 520,000 | 683,000 |
| Interest expense | 32,000 | 60,000 | 87,000 | 111,000 |
| Net interest income | 143,000 | 287,000 | 433,000 | 572,000 |
| Noninterest income | 13,000 | 23,000 | 42,000 | 102,000 |
| Noninterest expense | 127,000 | 267,000 | 399,000 | 527,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 43,000 | 76,000 | 147,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 6,000 |
| Net income | 27,000 | 40,000 | 72,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,240,000 | 4,253,000 | 4,285,000 | 4,354,000 |