Call reports 2014
CITIZENS SAVINGS BANK — 2014
What CITIZENS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 322,157,000 | 323,293,000 | 324,634,000 | 325,522,000 |
| Total loans | 250,500,000 | 254,348,000 | 257,887,000 | 260,302,000 |
| Allowance for loan losses | 746,000 | 745,000 | 806,000 | 775,000 |
| Securities available for sale | 39,493,000 | 39,192,000 | 38,072,000 | 37,520,000 |
| Securities held to maturity | 2,082,000 | 1,979,000 | 1,903,000 | 1,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,772,000 | 277,989,000 | 279,224,000 | 279,924,000 |
| Interest-bearing deposits | 261,302,000 | 262,420,000 | 264,719,000 | 264,416,000 |
| Noninterest-bearing deposits | 16,470,000 | 15,569,000 | 14,505,000 | 15,508,000 |
| Equity capital | 41,579,000 | 42,103,000 | 42,412,000 | 42,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,937,000 | 5,875,000 | 8,834,000 | 11,825,000 |
| Interest expense | 389,000 | 775,000 | 1,184,000 | 1,594,000 |
| Net interest income | 2,548,000 | 5,100,000 | 7,650,000 | 10,231,000 |
| Noninterest income | 167,000 | 400,000 | 568,000 | 755,000 |
| Noninterest expense | 1,956,000 | 3,966,000 | 6,108,000 | 8,079,000 |
| Provision for loan losses | 53,000 | 57,000 | 147,000 | 241,000 |
| Pretax income | 706,000 | 1,477,000 | 1,975,000 | 2,678,000 |
| Income tax | 221,000 | 477,000 | 619,000 | 853,000 |
| Net income | 485,000 | 1,000,000 | 1,356,000 | 1,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,014,000 | 41,530,000 | 41,886,000 | 42,354,000 |
| Total capital | 41,760,000 | 42,275,000 | 42,692,000 | 43,129,000 |
| Risk-weighted assets | 161,087,000 | 161,273,000 | 164,736,000 | 163,847,000 |