Call reports 2018
CITIZENS SAVINGS BANK — 2018
What CITIZENS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 227,653,000 | 225,886,000 | 227,216,000 | 231,395,000 |
| Total loans | 175,837,000 | 177,508,000 | 182,256,000 | 186,382,000 |
| Allowance for loan losses | 3,857,000 | 3,819,000 | 3,867,000 | 4,173,000 |
| Securities available for sale | 22,448,000 | 22,700,000 | 22,095,000 | 22,065,000 |
| Securities held to maturity | 1,444,000 | 1,049,000 | 888,000 | 883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,674,000 | 190,086,000 | 189,719,000 | 194,881,000 |
| Interest-bearing deposits | 153,180,000 | 149,274,000 | 149,341,000 | 153,423,000 |
| Noninterest-bearing deposits | 39,495,000 | 40,812,000 | 40,378,000 | 41,458,000 |
| Equity capital | 31,043,000 | 31,507,000 | 31,861,000 | 32,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,962,000 | 5,951,000 | 8,956,000 | 12,048,000 |
| Interest expense | 412,000 | 830,000 | 1,277,000 | 1,812,000 |
| Net interest income | 2,550,000 | 5,121,000 | 7,679,000 | 10,236,000 |
| Noninterest income | 223,000 | 444,000 | 720,000 | 961,000 |
| Noninterest expense | 2,066,000 | 4,163,000 | 6,328,000 | 8,500,000 |
| Provision for loan losses | 75,000 | 180,000 | 285,000 | 646,000 |
| Pretax income | 632,000 | 1,222,000 | 1,786,000 | 2,049,000 |
| Income tax | 120,000 | 232,000 | 338,000 | 381,000 |
| Net income | 512,000 | 990,000 | 1,448,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,407,000 | 31,886,000 | 32,343,000 | 32,563,000 |
| Total capital | 33,327,000 | 33,812,000 | 34,317,000 | 34,597,000 |
| Risk-weighted assets | 151,653,000 | 152,154,000 | 156,065,000 | 160,604,000 |