Call reports 2019
CITIZENS SAVINGS BANK — 2019
What CITIZENS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 231,225,000 | 237,611,000 | 233,976,000 | 234,386,000 |
| Total loans | 185,186,000 | 186,654,000 | 186,999,000 | 188,189,000 |
| Allowance for loan losses | 4,238,000 | 4,271,000 | 4,246,000 | 4,617,000 |
| Securities available for sale | 21,977,000 | 21,872,000 | 21,417,000 | 22,114,000 |
| Securities held to maturity | 878,000 | 873,000 | 708,000 | 703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,018,000 | 200,758,000 | 198,055,000 | 198,941,000 |
| Interest-bearing deposits | 155,086,000 | 162,347,000 | 159,944,000 | 159,260,000 |
| Noninterest-bearing deposits | 39,932,000 | 38,411,000 | 38,110,000 | 39,681,000 |
| Equity capital | 33,038,000 | 33,613,000 | 34,170,000 | 34,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,107,000 | 6,264,000 | 9,481,000 | 12,629,000 |
| Interest expense | 570,000 | 1,187,000 | 1,841,000 | 2,479,000 |
| Net interest income | 2,537,000 | 5,077,000 | 7,640,000 | 10,150,000 |
| Noninterest income | 203,000 | 433,000 | 725,000 | 920,000 |
| Noninterest expense | 2,041,000 | 4,241,000 | 6,411,000 | 8,377,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 800,000 |
| Pretax income | 624,000 | 1,119,000 | 1,731,000 | 1,895,000 |
| Income tax | 125,000 | 215,000 | 330,000 | 351,000 |
| Net income | 499,000 | 904,000 | 1,401,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,062,000 | 33,467,000 | 33,964,000 | 34,107,000 |
| Total capital | 35,092,000 | 35,498,000 | 35,988,000 | 36,153,000 |
| Risk-weighted assets | 160,222,000 | 160,202,000 | 159,709,000 | 161,108,000 |