Call reports 2014
CITIZENS SAVINGS BANK — 2014
What CITIZENS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 91,925,000 | 95,973,000 | 97,142,000 | 100,934,000 |
| Total loans | 40,526,000 | 40,225,000 | 42,061,000 | 44,390,000 |
| Allowance for loan losses | 684,000 | 690,000 | 678,000 | 724,000 |
| Securities available for sale | 46,424,000 | 48,486,000 | 51,700,000 | 53,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,534,000 | 78,177,000 | 78,474,000 | 77,484,000 |
| Interest-bearing deposits | 66,043,000 | 68,869,000 | 69,556,000 | 68,488,000 |
| Noninterest-bearing deposits | 8,491,000 | 9,308,000 | 8,918,000 | 8,996,000 |
| Equity capital | 10,456,000 | 11,461,000 | 12,131,000 | 12,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 971,000 | 1,931,000 | 2,904,000 | 3,948,000 |
| Interest expense | 215,000 | 433,000 | 649,000 | 862,000 |
| Net interest income | 756,000 | 1,498,000 | 2,255,000 | 3,086,000 |
| Noninterest income | 58,000 | 112,000 | 169,000 | 216,000 |
| Noninterest expense | 331,000 | 701,000 | 1,072,000 | 1,744,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 485,000 | 905,000 | 1,342,000 | 1,556,000 |
| Income tax | 109,000 | 187,000 | 260,000 | 236,000 |
| Net income | 376,000 | 718,000 | 1,082,000 | 1,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,636,000 | 10,978,000 | 11,341,000 | 11,490,000 |
| Total capital | 11,320,000 | 11,668,000 | 12,019,000 | 12,214,000 |
| Risk-weighted assets | 62,777,000 | 63,320,000 | 66,915,000 | 69,707,000 |