Call reports 2020
CITIZENS SAVINGS BANK — 2020
What CITIZENS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 317,478,000 | 335,883,000 | 351,782,000 | 364,936,000 |
| Total loans | 255,630,000 | 268,452,000 | 274,533,000 | 276,372,000 |
| Allowance for loan losses | 835,000 | 932,000 | 1,081,000 | 1,121,000 |
| Securities available for sale | 25,462,000 | 27,969,000 | 31,539,000 | 44,485,000 |
| Securities held to maturity | 683,000 | 645,000 | 593,000 | 546,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,317,000 | 281,901,000 | 297,226,000 | 310,110,000 |
| Interest-bearing deposits | 246,106,000 | 258,002,000 | 274,206,000 | 286,639,000 |
| Noninterest-bearing deposits | 18,211,000 | 23,899,000 | 23,020,000 | 23,471,000 |
| Equity capital | 50,876,000 | 51,506,000 | 51,987,000 | 52,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,831,000 | 5,601,000 | 8,455,000 | 11,243,000 |
| Interest expense | 496,000 | 916,000 | 1,272,000 | 1,585,000 |
| Net interest income | 2,335,000 | 4,685,000 | 7,183,000 | 9,658,000 |
| Noninterest income | 248,000 | 503,000 | 805,000 | 1,075,000 |
| Noninterest expense | 2,185,000 | 4,190,000 | 6,267,000 | 8,403,000 |
| Provision for loan losses | 162,000 | 259,000 | 333,000 | 374,000 |
| Pretax income | 236,000 | 739,000 | 1,388,000 | 1,956,000 |
| Income tax | 55,000 | 152,000 | 279,000 | 355,000 |
| Net income | 181,000 | 587,000 | 1,109,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,625,000 | 51,032,000 | 51,555,000 | 52,045,000 |
| Total capital | 51,460,000 | 51,964,000 | 52,636,000 | 53,166,000 |
| Risk-weighted assets | 160,741,000 | 168,884,000 | 173,845,000 | 176,591,000 |