Call reports 2015
CITIZENS SAVINGS BANK — 2015
What CITIZENS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 102,043,000 | 99,147,000 | 103,035,000 | 102,181,000 |
| Total loans | 44,739,000 | 45,127,000 | 46,712,000 | 47,676,000 |
| Allowance for loan losses | 737,000 | 743,000 | 751,000 | 737,000 |
| Securities available for sale | 53,962,000 | 51,889,000 | 53,400,000 | 50,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,842,000 | 78,009,000 | 79,244,000 | 79,962,000 |
| Interest-bearing deposits | 69,809,000 | 70,045,000 | 70,133,000 | 68,435,000 |
| Noninterest-bearing deposits | 10,033,000 | 7,964,000 | 9,111,000 | 11,527,000 |
| Equity capital | 13,245,000 | 12,814,000 | 13,599,000 | 14,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,013,000 | 2,081,000 | 3,131,000 | 4,181,000 |
| Interest expense | 202,000 | 404,000 | 601,000 | 801,000 |
| Net interest income | 811,000 | 1,677,000 | 2,530,000 | 3,380,000 |
| Noninterest income | 41,000 | 81,000 | 127,000 | 204,000 |
| Noninterest expense | 379,000 | 765,000 | 1,146,000 | 1,733,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 479,000 | 993,000 | 1,505,000 | 1,797,000 |
| Income tax | 90,000 | 195,000 | 300,000 | 297,000 |
| Net income | 389,000 | 798,000 | 1,205,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,879,000 | 12,288,000 | 12,695,000 | 12,900,000 |
| Total capital | 12,616,000 | 13,031,000 | 13,446,000 | 13,637,000 |
| Risk-weighted assets | 70,217,000 | 70,751,000 | 72,757,000 | 73,675,000 |