Call reports 2015
CITIZENS SAVINGS BANK — 2015
What CITIZENS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 327,253,000 | 327,358,000 | 329,352,000 | 332,433,000 |
| Total loans | 258,834,000 | 261,929,000 | 265,115,000 | 264,740,000 |
| Allowance for loan losses | 735,000 | 769,000 | 829,000 | 827,000 |
| Securities available for sale | 35,019,000 | 33,255,000 | 31,182,000 | 32,200,000 |
| Securities held to maturity | 1,766,000 | 1,701,000 | 1,640,000 | 1,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,908,000 | 280,645,000 | 282,410,000 | 285,484,000 |
| Interest-bearing deposits | 264,989,000 | 264,687,000 | 266,044,000 | 267,265,000 |
| Noninterest-bearing deposits | 15,919,000 | 15,958,000 | 16,366,000 | 18,219,000 |
| Equity capital | 43,539,000 | 43,992,000 | 44,377,000 | 44,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,001,000 | 5,967,000 | 8,910,000 | 11,860,000 |
| Interest expense | 395,000 | 790,000 | 1,189,000 | 1,593,000 |
| Net interest income | 2,606,000 | 5,177,000 | 7,721,000 | 10,267,000 |
| Noninterest income | 208,000 | 408,000 | 603,000 | 734,000 |
| Noninterest expense | 2,031,000 | 3,999,000 | 6,010,000 | 8,137,000 |
| Provision for loan losses | -38,000 | 61,000 | 174,000 | 217,000 |
| Pretax income | 821,000 | 1,525,000 | 2,140,000 | 2,647,000 |
| Income tax | 276,000 | 470,000 | 688,000 | 844,000 |
| Net income | 545,000 | 1,055,000 | 1,452,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,899,000 | 43,409,000 | 43,806,000 | 44,158,000 |
| Total capital | 43,634,000 | 44,178,000 | 44,635,000 | 44,985,000 |
| Risk-weighted assets | 163,695,000 | 164,995,000 | 166,538,000 | 166,645,000 |