Call reports 2021
CITIZENS SAVINGS BANK — 2021
What CITIZENS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 377,359,000 | 383,352,000 | 392,837,000 | 395,514,000 |
| Total loans | 269,039,000 | 270,016,000 | 272,953,000 | 273,606,000 |
| Allowance for loan losses | 1,107,000 | 1,101,000 | 1,091,000 | 1,108,000 |
| Securities available for sale | 54,650,000 | 62,907,000 | 79,061,000 | 83,832,000 |
| Securities held to maturity | 498,000 | 470,000 | 429,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,981,000 | 328,253,000 | 337,180,000 | 340,287,000 |
| Interest-bearing deposits | 297,469,000 | 303,598,000 | 311,229,000 | 312,107,000 |
| Noninterest-bearing deposits | 25,512,000 | 24,655,000 | 25,951,000 | 28,180,000 |
| Equity capital | 52,270,000 | 53,016,000 | 53,374,000 | 53,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,714,000 | 5,376,000 | 8,051,000 | 10,720,000 |
| Interest expense | 264,000 | 515,000 | 762,000 | 984,000 |
| Net interest income | 2,450,000 | 4,861,000 | 7,289,000 | 9,736,000 |
| Noninterest income | 270,000 | 644,000 | 890,000 | 1,146,000 |
| Noninterest expense | 2,169,000 | 4,326,000 | 6,411,000 | 8,490,000 |
| Provision for loan losses | -15,000 | -3,000 | 2,000 | 22,000 |
| Pretax income | 566,000 | 1,182,000 | 1,766,000 | 2,370,000 |
| Income tax | 110,000 | 230,000 | 345,000 | 459,000 |
| Net income | 456,000 | 952,000 | 1,421,000 | 1,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,501,000 | 52,997,000 | 53,466,000 | 53,957,000 |
| Total capital | 53,608,000 | 54,098,000 | 54,557,000 | 55,065,000 |
| Risk-weighted assets | 176,114,000 | 176,224,000 | 177,950,000 | 179,792,000 |