Call reports 2018
CITIZENS SAVINGS BANK — 2018
What CITIZENS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 109,792,000 | 113,654,000 | 108,818,000 | 113,928,000 |
| Total loans | 64,709,000 | 67,028,000 | 68,207,000 | 70,701,000 |
| Allowance for loan losses | 849,000 | 866,000 | 878,000 | 894,000 |
| Securities available for sale | 42,418,000 | 40,404,000 | 37,368,000 | 38,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,242,000 | 82,729,000 | 79,153,000 | 80,852,000 |
| Interest-bearing deposits | 68,807,000 | 73,924,000 | 69,628,000 | 69,216,000 |
| Noninterest-bearing deposits | 9,435,000 | 8,805,000 | 9,525,000 | 11,636,000 |
| Equity capital | 16,452,000 | 16,654,000 | 16,821,000 | 17,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,173,000 | 2,404,000 | 3,622,000 | 4,868,000 |
| Interest expense | 261,000 | 583,000 | 915,000 | 1,249,000 |
| Net interest income | 912,000 | 1,821,000 | 2,707,000 | 3,619,000 |
| Noninterest income | 39,000 | 80,000 | 118,000 | 162,000 |
| Noninterest expense | 400,000 | 829,000 | 1,270,000 | 1,906,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 536,000 | 1,042,000 | 1,510,000 | 1,815,000 |
| Income tax | 87,000 | 166,000 | 242,000 | 303,000 |
| Net income | 449,000 | 876,000 | 1,268,000 | 1,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,188,000 | 16,614,000 | 17,006,000 | 17,146,000 |
| Total capital | 17,092,000 | 17,480,000 | 17,884,000 | 18,040,000 |
| Risk-weighted assets | 91,109,000 | 93,015,000 | 92,255,000 | 95,505,000 |