Call reports 2014
CITIZENS SAVINGS BANK — 2014
What CITIZENS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 208,028,000 | 207,913,000 | 207,281,000 | 205,099,000 |
| Total loans | 163,642,000 | 163,432,000 | 164,222,000 | 163,526,000 |
| Allowance for loan losses | 3,200,000 | 3,158,000 | 3,071,000 | 3,372,000 |
| Securities available for sale | 13,435,000 | 15,027,000 | 13,088,000 | 12,737,000 |
| Securities held to maturity | 4,187,000 | 4,179,000 | 4,171,000 | 4,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,089,000 | 171,338,000 | 168,205,000 | 168,165,000 |
| Interest-bearing deposits | 142,273,000 | 140,571,000 | 137,238,000 | 136,928,000 |
| Noninterest-bearing deposits | 29,816,000 | 30,767,000 | 30,967,000 | 31,237,000 |
| Equity capital | 26,031,000 | 26,438,000 | 26,835,000 | 27,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,822,000 | 5,636,000 | 8,449,000 | 11,210,000 |
| Interest expense | 424,000 | 829,000 | 1,228,000 | 1,621,000 |
| Net interest income | 2,398,000 | 4,807,000 | 7,221,000 | 9,589,000 |
| Noninterest income | 211,000 | 374,000 | 655,000 | 765,000 |
| Noninterest expense | 2,014,000 | 4,070,000 | 6,163,000 | 7,944,000 |
| Provision for loan losses | 15,000 | 15,000 | 45,000 | 355,000 |
| Pretax income | 580,000 | 1,096,000 | 1,713,000 | 2,100,000 |
| Income tax | 203,000 | 364,000 | 556,000 | 669,000 |
| Net income | 377,000 | 732,000 | 1,157,000 | 1,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,011,000 | 26,366,000 | 26,791,000 | 27,065,000 |
| Total capital | 27,730,000 | 28,083,000 | 28,512,000 | 28,768,000 |
| Risk-weighted assets | 136,051,000 | 135,943,000 | 136,305,000 | 134,562,000 |