Call reports 2021
CITIZENS SAVINGS BANK — 2021
What CITIZENS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 262,527,000 | 266,695,000 | 267,857,000 | 272,626,000 |
| Total loans | 188,117,000 | 188,905,000 | 189,945,000 | 188,423,000 |
| Allowance for loan losses | 5,391,000 | 5,183,000 | 5,181,000 | 5,348,000 |
| Securities available for sale | 26,194,000 | 27,614,000 | 32,845,000 | 36,486,000 |
| Securities held to maturity | 700,000 | 700,000 | 700,000 | 700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,404,000 | 227,965,000 | 228,152,000 | 232,999,000 |
| Interest-bearing deposits | 167,085,000 | 168,721,000 | 169,588,000 | 170,878,000 |
| Noninterest-bearing deposits | 57,319,000 | 59,244,000 | 58,564,000 | 62,121,000 |
| Equity capital | 36,543,000 | 37,187,000 | 37,689,000 | 37,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,033,000 | 6,118,000 | 9,210,000 | 12,272,000 |
| Interest expense | 468,000 | 894,000 | 1,293,000 | 1,668,000 |
| Net interest income | 2,565,000 | 5,224,000 | 7,917,000 | 10,604,000 |
| Noninterest income | 365,000 | 562,000 | 765,000 | 984,000 |
| Noninterest expense | 2,133,000 | 4,561,000 | 6,795,000 | 9,002,000 |
| Provision for loan losses | 50,000 | -150,000 | -150,000 | 50,000 |
| Pretax income | 747,000 | 1,375,000 | 2,037,000 | 2,536,000 |
| Income tax | 162,000 | 281,000 | 409,000 | 502,000 |
| Net income | 585,000 | 1,094,000 | 1,628,000 | 2,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,299,000 | 36,807,000 | 37,342,000 | 37,747,000 |