Call reports 2020
CITIZENS SAVINGS BANK — 2020
What CITIZENS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 109,423,000 | 116,812,000 | 116,616,000 | 118,453,000 |
| Total loans | 68,519,000 | 70,783,000 | 67,905,000 | 65,685,000 |
| Allowance for loan losses | 987,000 | 1,005,000 | 1,023,000 | 1,041,000 |
| Securities available for sale | 37,351,000 | 40,918,000 | 44,461,000 | 49,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,971,000 | 83,844,000 | 84,947,000 | 80,593,000 |
| Interest-bearing deposits | 67,194,000 | 72,858,000 | 73,057,000 | 68,199,000 |
| Noninterest-bearing deposits | 8,777,000 | 10,986,000 | 11,890,000 | 12,394,000 |
| Equity capital | 19,443,000 | 20,658,000 | 21,049,000 | 21,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,185,000 | 2,384,000 | 3,580,000 | 4,743,000 |
| Interest expense | 311,000 | 602,000 | 869,000 | 1,103,000 |
| Net interest income | 874,000 | 1,782,000 | 2,711,000 | 3,640,000 |
| Noninterest income | 32,000 | 57,000 | 89,000 | 122,000 |
| Noninterest expense | 419,000 | 883,000 | 1,352,000 | 2,005,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 469,000 | 920,000 | 1,394,000 | 1,685,000 |
| Income tax | 82,000 | 153,000 | 228,000 | 256,000 |
| Net income | 387,000 | 767,000 | 1,166,000 | 1,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,927,000 | 19,306,000 | 19,706,000 | 19,849,000 |