Call reports 2021
CITIZENS SAVINGS BANK — 2021
What CITIZENS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 121,614,000 | 127,026,000 | 132,139,000 | 137,198,000 |
| Total loans | 66,205,000 | 65,070,000 | 61,933,000 | 63,043,000 |
| Allowance for loan losses | 1,060,000 | 1,078,000 | 1,096,000 | 1,115,000 |
| Securities available for sale | 51,547,000 | 57,205,000 | 66,598,000 | 71,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,493,000 | 94,003,000 | 97,711,000 | 102,099,000 |
| Interest-bearing deposits | 75,852,000 | 80,619,000 | 84,569,000 | 87,748,000 |
| Noninterest-bearing deposits | 13,641,000 | 13,384,000 | 13,142,000 | 14,351,000 |
| Equity capital | 21,379,000 | 22,168,000 | 22,077,000 | 22,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,126,000 | 2,387,000 | 3,777,000 | 4,906,000 |
| Interest expense | 213,000 | 414,000 | 619,000 | 820,000 |
| Net interest income | 913,000 | 1,973,000 | 3,158,000 | 4,086,000 |
| Noninterest income | 23,000 | 49,000 | 80,000 | 121,000 |
| Noninterest expense | 432,000 | 890,000 | 1,389,000 | 2,066,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 486,000 | 1,096,000 | 1,801,000 | 2,075,000 |
| Income tax | 70,000 | 166,000 | 272,000 | 295,000 |
| Net income | 416,000 | 930,000 | 1,529,000 | 1,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,266,000 | 20,779,000 | 21,378,000 | 21,502,000 |