Call reports 2015
CITIZENS SAVINGS BANK — 2015
What CITIZENS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 208,325,000 | 205,107,000 | 205,858,000 | 205,776,000 |
| Total loans | 163,393,000 | 164,109,000 | 165,098,000 | 163,313,000 |
| Allowance for loan losses | 3,424,000 | 3,437,000 | 3,490,000 | 3,446,000 |
| Securities available for sale | 12,020,000 | 12,386,000 | 14,290,000 | 14,448,000 |
| Securities held to maturity | 4,044,000 | 4,036,000 | 2,380,000 | 2,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,355,000 | 171,080,000 | 171,334,000 | 171,312,000 |
| Interest-bearing deposits | 139,598,000 | 137,934,000 | 136,783,000 | 137,443,000 |
| Noninterest-bearing deposits | 33,757,000 | 33,146,000 | 34,551,000 | 33,869,000 |
| Equity capital | 27,531,000 | 27,839,000 | 28,261,000 | 28,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,728,000 | 5,499,000 | 8,273,000 | 11,021,000 |
| Interest expense | 371,000 | 736,000 | 1,098,000 | 1,461,000 |
| Net interest income | 2,357,000 | 4,763,000 | 7,175,000 | 9,560,000 |
| Noninterest income | 259,000 | 508,000 | 780,000 | 980,000 |
| Noninterest expense | 2,010,000 | 4,049,000 | 6,150,000 | 8,116,000 |
| Provision for loan losses | 68,000 | 128,000 | 193,000 | 417,000 |
| Pretax income | 538,000 | 1,094,000 | 1,612,000 | 2,007,000 |
| Income tax | 215,000 | 388,000 | 547,000 | 665,000 |
| Net income | 323,000 | 706,000 | 1,065,000 | 1,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,388,000 | 27,771,000 | 28,130,000 | 28,407,000 |
| Total capital | 29,170,000 | 29,557,000 | 29,936,000 | 30,185,000 |
| Risk-weighted assets | 140,901,000 | 141,215,000 | 142,759,000 | 140,566,000 |