Call reports 2019
CITIZENS SAVINGS BANK — 2019
What CITIZENS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 335,039,000 | 328,832,000 | 320,500,000 | 318,303,000 |
| Total loans | 253,118,000 | 251,698,000 | 248,603,000 | 253,251,000 |
| Allowance for loan losses | 685,000 | 688,000 | 711,000 | 725,000 |
| Securities available for sale | 47,529,000 | 48,791,000 | 39,084,000 | 29,303,000 |
| Securities held to maturity | 862,000 | 813,000 | 765,000 | 732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,182,000 | 276,214,000 | 267,335,000 | 265,237,000 |
| Interest-bearing deposits | 263,376,000 | 255,748,000 | 248,338,000 | 247,659,000 |
| Noninterest-bearing deposits | 19,806,000 | 20,466,000 | 18,997,000 | 17,578,000 |
| Equity capital | 49,465,000 | 50,099,000 | 50,454,000 | 50,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,955,000 | 5,890,000 | 8,789,000 | 11,622,000 |
| Interest expense | 586,000 | 1,187,000 | 1,735,000 | 2,266,000 |
| Net interest income | 2,369,000 | 4,703,000 | 7,054,000 | 9,356,000 |
| Noninterest income | 212,000 | 527,000 | 776,000 | 1,026,000 |
| Noninterest expense | 2,265,000 | 4,447,000 | 6,597,000 | 8,674,000 |
| Provision for loan losses | -5,000 | 13,000 | 35,000 | 67,000 |
| Pretax income | 321,000 | 770,000 | 1,198,000 | 1,641,000 |
| Income tax | 58,000 | 139,000 | 229,000 | 317,000 |
| Net income | 263,000 | 631,000 | 969,000 | 1,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,385,000 | 49,753,000 | 50,090,000 | 50,445,000 |
| Total capital | 50,070,000 | 50,441,000 | 50,801,000 | 51,170,000 |
| Risk-weighted assets | 160,520,000 | 158,242,000 | 155,621,000 | 159,239,000 |