Call reports 2014
CITIZENS SAVINGS BANK — 2014
What CITIZENS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 123,434,000 | 122,250,000 | 130,781,000 | 130,202,000 |
| Total loans | 54,376,000 | 53,382,000 | 53,814,000 | 55,965,000 |
| Allowance for loan losses | 640,000 | 640,000 | 638,000 | 515,000 |
| Securities available for sale | 61,223,000 | 61,208,000 | 68,673,000 | 67,790,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,524,000 | 105,635,000 | 116,023,000 | 109,271,000 |
| Interest-bearing deposits | 96,103,000 | 94,149,000 | 102,287,000 | 97,808,000 |
| Noninterest-bearing deposits | 12,421,000 | 11,486,000 | 13,736,000 | 11,463,000 |
| Equity capital | 10,486,000 | 11,064,000 | 11,425,000 | 11,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,137,000 | 2,284,000 | 3,435,000 | 4,603,000 |
| Interest expense | 112,000 | 218,000 | 323,000 | 427,000 |
| Net interest income | 1,025,000 | 2,066,000 | 3,112,000 | 4,176,000 |
| Noninterest income | 150,000 | 248,000 | 333,000 | 431,000 |
| Noninterest expense | 626,000 | 1,247,000 | 1,845,000 | 2,467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 558,000 | 1,093,000 | 1,674,000 | 2,206,000 |
| Income tax | 24,000 | 51,000 | 79,000 | 105,000 |
| Net income | 534,000 | 1,042,000 | 1,595,000 | 2,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,746,000 | 9,915,000 | 10,091,000 | 10,208,000 |
| Total capital | 10,386,000 | 10,555,000 | 10,729,000 | 10,723,000 |
| Risk-weighted assets | 79,282,000 | 79,025,000 | 81,881,000 | 84,756,000 |