Call reports 2017
CITIZENS SAVINGS BANK — 2017
What CITIZENS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 104,159,000 | 106,719,000 | 110,280,000 | 110,418,000 |
| Total loans | 56,482,000 | 57,532,000 | 60,880,000 | 63,100,000 |
| Allowance for loan losses | 790,000 | 806,000 | 818,000 | 834,000 |
| Securities available for sale | 44,468,000 | 44,548,000 | 43,714,000 | 43,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,159,000 | 84,117,000 | 87,388,000 | 81,560,000 |
| Interest-bearing deposits | 70,589,000 | 73,137,000 | 76,229,000 | 68,754,000 |
| Noninterest-bearing deposits | 11,570,000 | 10,980,000 | 11,159,000 | 12,806,000 |
| Equity capital | 15,472,000 | 16,068,000 | 16,382,000 | 16,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,076,000 | 2,176,000 | 3,303,000 | 4,448,000 |
| Interest expense | 204,000 | 436,000 | 679,000 | 924,000 |
| Net interest income | 872,000 | 1,740,000 | 2,624,000 | 3,524,000 |
| Noninterest income | 41,000 | 81,000 | 120,000 | 179,000 |
| Noninterest expense | 398,000 | 817,000 | 1,243,000 | 1,846,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 500,000 | 975,000 | 1,457,000 | 1,798,000 |
| Income tax | 114,000 | 219,000 | 328,000 | 356,000 |
| Net income | 386,000 | 756,000 | 1,129,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,780,000 | 15,151,000 | 15,523,000 | 15,739,000 |
| Total capital | 15,570,000 | 15,957,000 | 16,397,000 | 16,627,000 |
| Risk-weighted assets | 84,035,000 | 85,630,000 | 88,407,000 | 89,546,000 |