Call reports 2016
CITIZENS SAVINGS BANK — 2016
What CITIZENS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 104,263,000 | 105,330,000 | 104,393,000 | 104,321,000 |
| Total loans | 50,305,000 | 52,431,000 | 53,395,000 | 56,150,000 |
| Allowance for loan losses | 746,000 | 754,000 | 764,000 | 774,000 |
| Securities available for sale | 50,086,000 | 49,208,000 | 48,093,000 | 44,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,710,000 | 82,716,000 | 80,569,000 | 73,885,000 |
| Interest-bearing deposits | 71,130,000 | 72,733,000 | 70,516,000 | 62,220,000 |
| Noninterest-bearing deposits | 11,580,000 | 9,983,000 | 10,053,000 | 11,665,000 |
| Equity capital | 14,698,000 | 15,539,000 | 15,752,000 | 14,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,169,000 | 3,247,000 | 4,327,000 |
| Interest expense | 196,000 | 398,000 | 601,000 | 803,000 |
| Net interest income | 856,000 | 1,771,000 | 2,646,000 | 3,524,000 |
| Noninterest income | 41,000 | 83,000 | 130,000 | 188,000 |
| Noninterest expense | 372,000 | 764,000 | 1,177,000 | 1,784,000 |
| Provision for loan losses | 6,000 | 12,000 | 21,000 | 36,000 |
| Pretax income | 524,000 | 1,128,000 | 1,669,000 | 1,988,000 |
| Income tax | 117,000 | 267,000 | 392,000 | 396,000 |
| Net income | 407,000 | 861,000 | 1,277,000 | 1,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,307,000 | 13,761,000 | 14,177,000 | 14,394,000 |
| Total capital | 14,053,000 | 14,515,000 | 14,941,000 | 15,168,000 |
| Risk-weighted assets | 78,069,000 | 81,045,000 | 81,599,000 | 84,126,000 |