Call reports 2013
CITIZENS SAVINGS BANK — 2013
What CITIZENS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 216,576,000 | 212,740,000 | 213,848,000 | 206,700,000 |
| Total loans | 170,075,000 | 168,225,000 | 164,893,000 | 164,991,000 |
| Allowance for loan losses | 3,455,000 | 3,514,000 | 3,328,000 | 3,286,000 |
| Securities available for sale | 12,189,000 | 11,231,000 | 11,921,000 | 12,571,000 |
| Securities held to maturity | 3,574,000 | 3,564,000 | 4,883,000 | 4,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,091,000 | 177,890,000 | 178,420,000 | 171,931,000 |
| Interest-bearing deposits | 154,081,000 | 150,219,000 | 150,562,000 | 143,153,000 |
| Noninterest-bearing deposits | 28,010,000 | 27,671,000 | 27,858,000 | 28,778,000 |
| Equity capital | 24,561,000 | 24,873,000 | 25,294,000 | 25,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,174,000 | 6,212,000 | 9,176,000 | 12,016,000 |
| Interest expense | 482,000 | 939,000 | 1,398,000 | 1,848,000 |
| Net interest income | 2,692,000 | 5,273,000 | 7,778,000 | 10,168,000 |
| Noninterest income | 193,000 | 366,000 | 573,000 | 541,000 |
| Noninterest expense | 2,022,000 | 4,092,000 | 6,127,000 | 7,880,000 |
| Provision for loan losses | 90,000 | 165,000 | 255,000 | 315,000 |
| Pretax income | 773,000 | 1,382,000 | 1,969,000 | 2,516,000 |
| Income tax | 197,000 | 392,000 | 580,000 | 753,000 |
| Net income | 576,000 | 990,000 | 1,389,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,447,000 | 24,861,000 | 25,261,000 | 25,633,000 |
| Total capital | 26,181,000 | 26,604,000 | 26,997,000 | 27,357,000 |
| Risk-weighted assets | 136,999,000 | 137,708,000 | 137,320,000 | 136,326,000 |