Call reports 2017
CITIZENS SAVINGS BANK — 2017
What CITIZENS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 338,679,000 | 339,985,000 | 335,591,000 | 332,132,000 |
| Total loans | 257,568,000 | 256,178,000 | 256,259,000 | 252,813,000 |
| Allowance for loan losses | 752,000 | 748,000 | 735,000 | 737,000 |
| Securities available for sale | 43,839,000 | 47,002,000 | 47,648,000 | 47,437,000 |
| Securities held to maturity | 1,302,000 | 1,241,000 | 1,174,000 | 1,116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,351,000 | 290,870,000 | 285,761,000 | 282,305,000 |
| Interest-bearing deposits | 269,813,000 | 271,435,000 | 267,933,000 | 264,387,000 |
| Noninterest-bearing deposits | 19,538,000 | 19,435,000 | 17,828,000 | 17,918,000 |
| Equity capital | 46,466,000 | 46,811,000 | 47,158,000 | 47,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,868,000 | 5,734,000 | 8,589,000 | 11,445,000 |
| Interest expense | 377,000 | 766,000 | 1,162,000 | 1,557,000 |
| Net interest income | 2,491,000 | 4,968,000 | 7,427,000 | 9,888,000 |
| Noninterest income | 261,000 | 468,000 | 690,000 | 913,000 |
| Noninterest expense | 2,084,000 | 4,278,000 | 6,389,000 | 8,440,000 |
| Provision for loan losses | -29,000 | -57,000 | -27,000 | -19,000 |
| Pretax income | 697,000 | 1,215,000 | 1,755,000 | 2,380,000 |
| Income tax | 222,000 | 379,000 | 546,000 | 650,000 |
| Net income | 475,000 | 836,000 | 1,209,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,295,000 | 46,657,000 | 47,028,000 | 47,549,000 |
| Total capital | 47,047,000 | 47,405,000 | 47,763,000 | 48,286,000 |
| Risk-weighted assets | 165,006,000 | 164,098,000 | 163,495,000 | 161,199,000 |