Call reports 2018
CITIZENS SAVINGS BANK — 2018
What CITIZENS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 330,874,000 | 328,983,000 | 329,868,000 | 330,087,000 |
| Total loans | 252,035,000 | 251,631,000 | 251,796,000 | 254,505,000 |
| Allowance for loan losses | 722,000 | 711,000 | 730,000 | 690,000 |
| Securities available for sale | 44,399,000 | 43,549,000 | 45,714,000 | 46,619,000 |
| Securities held to maturity | 1,060,000 | 1,016,000 | 962,000 | 901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,603,000 | 278,459,000 | 278,687,000 | 278,774,000 |
| Interest-bearing deposits | 260,203,000 | 257,706,000 | 260,206,000 | 261,258,000 |
| Noninterest-bearing deposits | 20,400,000 | 20,753,000 | 18,481,000 | 17,516,000 |
| Equity capital | 47,853,000 | 48,163,000 | 48,429,000 | 49,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,833,000 | 5,678,000 | 8,563,000 | 11,476,000 |
| Interest expense | 378,000 | 767,000 | 1,243,000 | 1,770,000 |
| Net interest income | 2,455,000 | 4,911,000 | 7,320,000 | 9,706,000 |
| Noninterest income | 210,000 | 460,000 | 714,000 | 933,000 |
| Noninterest expense | 2,066,000 | 4,188,000 | 6,323,000 | 8,563,000 |
| Provision for loan losses | -15,000 | 112,000 | 192,000 | 180,000 |
| Pretax income | 614,000 | 1,071,000 | 1,519,000 | 1,896,000 |
| Income tax | 119,000 | 206,000 | 289,000 | 324,000 |
| Net income | 495,000 | 865,000 | 1,230,000 | 1,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,043,000 | 48,414,000 | 48,780,000 | 49,122,000 |
| Total capital | 48,765,000 | 49,125,000 | 49,510,000 | 49,812,000 |
| Risk-weighted assets | 160,620,000 | 161,038,000 | 161,061,000 | 161,551,000 |