Call reports 2017
CITIZENS SAVINGS BANK — 2017
What CITIZENS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 216,537,000 | 226,172,000 | 222,965,000 | 222,847,000 |
| Total loans | 167,495,000 | 171,931,000 | 176,393,000 | 177,992,000 |
| Allowance for loan losses | 3,936,000 | 3,597,000 | 3,601,000 | 3,837,000 |
| Securities available for sale | 20,191,000 | 22,698,000 | 22,453,000 | 21,875,000 |
| Securities held to maturity | 1,848,000 | 1,461,000 | 1,456,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,907,000 | 189,407,000 | 187,350,000 | 187,964,000 |
| Interest-bearing deposits | 142,225,000 | 151,056,000 | 149,935,000 | 149,881,000 |
| Noninterest-bearing deposits | 36,683,000 | 38,352,000 | 37,416,000 | 38,083,000 |
| Equity capital | 29,911,000 | 30,469,000 | 30,902,000 | 30,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,887,000 | 5,894,000 | 8,869,000 | 11,515,000 |
| Interest expense | 370,000 | 759,000 | 1,173,000 | 1,591,000 |
| Net interest income | 2,517,000 | 5,135,000 | 7,696,000 | 9,924,000 |
| Noninterest income | 119,000 | 346,000 | 391,000 | 860,000 |
| Noninterest expense | 2,085,000 | 4,273,000 | 6,173,000 | 7,975,000 |
| Provision for loan losses | 61,000 | 121,000 | 181,000 | 441,000 |
| Pretax income | 490,000 | 1,087,000 | 1,733,000 | 2,368,000 |
| Income tax | 145,000 | 327,000 | 526,000 | 1,175,000 |
| Net income | 345,000 | 760,000 | 1,207,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,021,000 | 30,436,000 | 30,883,000 | 30,895,000 |
| Total capital | 31,834,000 | 32,307,000 | 32,823,000 | 32,843,000 |
| Risk-weighted assets | 142,879,000 | 147,992,000 | 153,500,000 | 153,964,000 |