Call reports 2013
CITIZENS SAVINGS BANK — 2013
What CITIZENS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 83,001,000 | 81,963,000 | 87,890,000 | 93,290,000 |
| Total loans | 37,387,000 | 37,770,000 | 39,032,000 | 42,921,000 |
| Allowance for loan losses | 702,000 | 708,000 | 664,000 | 678,000 |
| Securities available for sale | 43,306,000 | 39,973,000 | 43,259,000 | 45,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,573,000 | 65,348,000 | 72,264,000 | 72,889,000 |
| Interest-bearing deposits | 57,794,000 | 58,656,000 | 64,233,000 | 63,853,000 |
| Noninterest-bearing deposits | 6,779,000 | 6,692,000 | 8,031,000 | 9,036,000 |
| Equity capital | 10,444,000 | 8,973,000 | 9,422,000 | 9,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,819,000 | 2,706,000 | 3,643,000 |
| Interest expense | 202,000 | 404,000 | 646,000 | 862,000 |
| Net interest income | 711,000 | 1,415,000 | 2,060,000 | 2,781,000 |
| Noninterest income | 51,000 | 110,000 | 171,000 | 236,000 |
| Noninterest expense | 329,000 | 675,000 | 1,022,000 | 1,524,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 438,000 | 817,000 | 1,186,000 | 1,464,000 |
| Income tax | 91,000 | 161,000 | 231,000 | 241,000 |
| Net income | 347,000 | 656,000 | 955,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,474,000 | 9,783,000 | 10,082,000 | 10,260,000 |
| Total capital | 10,176,000 | 10,491,000 | 10,746,000 | 10,938,000 |
| Risk-weighted assets | 58,457,000 | 58,512,000 | 61,060,000 | 66,275,000 |