Call reports 2013
CITIZENS SAVINGS BANK — 2013
What CITIZENS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 334,341,000 | 321,030,000 | 324,794,000 | 321,373,000 |
| Total loans | 233,911,000 | 240,450,000 | 245,864,000 | 248,932,000 |
| Allowance for loan losses | 776,000 | 799,000 | 787,000 | 745,000 |
| Securities available for sale | 46,579,000 | 41,627,000 | 44,151,000 | 40,467,000 |
| Securities held to maturity | 2,439,000 | 2,362,000 | 2,233,000 | 2,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,953,000 | 277,471,000 | 281,063,000 | 277,797,000 |
| Interest-bearing deposits | 265,266,000 | 261,108,000 | 265,439,000 | 263,187,000 |
| Noninterest-bearing deposits | 15,687,000 | 16,363,000 | 15,624,000 | 14,610,000 |
| Equity capital | 40,242,000 | 40,361,000 | 40,677,000 | 41,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,994,000 | 5,941,000 | 8,839,000 | 11,774,000 |
| Interest expense | 535,000 | 1,034,000 | 1,441,000 | 1,846,000 |
| Net interest income | 2,459,000 | 4,907,000 | 7,398,000 | 9,928,000 |
| Noninterest income | 206,000 | 401,000 | 605,000 | 783,000 |
| Noninterest expense | 1,996,000 | 3,947,000 | 5,940,000 | 8,100,000 |
| Provision for loan losses | 33,000 | 114,000 | 143,000 | 158,000 |
| Pretax income | 636,000 | 1,247,000 | 1,920,000 | 2,454,000 |
| Income tax | 183,000 | 416,000 | 629,000 | 774,000 |
| Net income | 453,000 | 831,000 | 1,291,000 | 1,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,302,000 | 39,680,000 | 40,138,000 | 40,529,000 |
| Total capital | 40,078,000 | 40,479,000 | 40,925,000 | 41,274,000 |
| Risk-weighted assets | 161,559,000 | 160,714,000 | 161,263,000 | 160,336,000 |