Call reports 2013
CITIZENS SAVINGS BANK — 2013
What CITIZENS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 123,307,000 | 121,526,000 | 124,930,000 | 124,328,000 |
| Total loans | 51,240,000 | 52,426,000 | 51,698,000 | 52,996,000 |
| Allowance for loan losses | 720,000 | 630,000 | 640,000 | 640,000 |
| Securities available for sale | 60,844,000 | 59,155,000 | 63,212,000 | 63,933,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,067,000 | 108,348,000 | 112,385,000 | 109,437,000 |
| Interest-bearing deposits | 98,692,000 | 97,698,000 | 100,009,000 | 96,759,000 |
| Noninterest-bearing deposits | 11,375,000 | 10,650,000 | 12,376,000 | 12,678,000 |
| Equity capital | 11,122,000 | 9,987,000 | 9,731,000 | 9,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,058,000 | 2,093,000 | 3,163,000 | 4,279,000 |
| Interest expense | 157,000 | 297,000 | 426,000 | 546,000 |
| Net interest income | 901,000 | 1,796,000 | 2,737,000 | 3,733,000 |
| Noninterest income | 88,000 | 171,000 | 255,000 | 334,000 |
| Noninterest expense | 558,000 | 1,120,000 | 1,722,000 | 2,299,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 431,000 | 847,000 | 1,270,000 | 1,768,000 |
| Income tax | 21,000 | 41,000 | 62,000 | 87,000 |
| Net income | 410,000 | 806,000 | 1,208,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,193,000 | 9,299,000 | 9,405,000 | 9,579,000 |
| Total capital | 9,913,000 | 9,929,000 | 10,045,000 | 10,219,000 |
| Risk-weighted assets | 75,110,000 | 76,511,000 | 77,504,000 | 78,426,000 |