Call reports 2020
CITIZENS SAVINGS BANK — 2020
What CITIZENS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 236,462,000 | 251,835,000 | 251,284,000 | 252,747,000 |
| Total loans | 190,538,000 | 188,516,000 | 190,270,000 | 186,549,000 |
| Allowance for loan losses | 4,655,000 | 4,726,000 | 4,781,000 | 5,353,000 |
| Securities available for sale | 16,930,000 | 16,888,000 | 18,538,000 | 21,484,000 |
| Securities held to maturity | 700,000 | 700,000 | 700,000 | 700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,850,000 | 213,744,000 | 213,582,000 | 215,218,000 |
| Interest-bearing deposits | 157,979,000 | 160,939,000 | 161,054,000 | 162,499,000 |
| Noninterest-bearing deposits | 41,871,000 | 52,805,000 | 52,528,000 | 52,719,000 |
| Equity capital | 34,498,000 | 35,509,000 | 35,928,000 | 36,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,199,000 | 6,360,000 | 9,367,000 | 12,410,000 |
| Interest expense | 608,000 | 1,200,000 | 1,757,000 | 2,278,000 |
| Net interest income | 2,591,000 | 5,160,000 | 7,610,000 | 10,132,000 |
| Noninterest income | 224,000 | 416,000 | 635,000 | 835,000 |
| Noninterest expense | 2,201,000 | 4,332,000 | 6,490,000 | 8,203,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 800,000 |
| Pretax income | 540,000 | 1,095,000 | 1,531,000 | 1,965,000 |
| Income tax | 100,000 | 203,000 | 281,000 | 359,000 |
| Net income | 440,000 | 892,000 | 1,250,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,547,000 | 34,999,000 | 35,357,000 | 35,714,000 |