Call reports 2015
CITIZENS SAVINGS BANK — 2015
What CITIZENS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 129,478,000 | 126,371,000 | 127,754,000 | 128,569,000 |
| Total loans | 56,955,000 | 58,435,000 | 59,988,000 | 60,652,000 |
| Allowance for loan losses | 515,000 | 514,000 | 541,000 | 541,000 |
| Securities available for sale | 64,241,000 | 60,158,000 | 58,194,000 | 57,632,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,874,000 | 106,176,000 | 109,723,000 | 114,319,000 |
| Interest-bearing deposits | 94,529,000 | 94,145,000 | 97,155,000 | 99,514,000 |
| Noninterest-bearing deposits | 12,345,000 | 12,031,000 | 12,568,000 | 14,805,000 |
| Equity capital | 12,415,000 | 11,570,000 | 12,123,000 | 12,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,160,000 | 2,320,000 | 3,476,000 | 4,620,000 |
| Interest expense | 95,000 | 188,000 | 280,000 | 375,000 |
| Net interest income | 1,065,000 | 2,132,000 | 3,196,000 | 4,245,000 |
| Noninterest income | 79,000 | 167,000 | 252,000 | 336,000 |
| Noninterest expense | 621,000 | 1,272,000 | 1,887,000 | 2,518,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 545,000 | 1,117,000 | 1,662,000 | 2,263,000 |
| Income tax | 27,000 | 55,000 | 82,000 | 111,000 |
| Net income | 518,000 | 1,062,000 | 1,580,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,342,000 | 10,526,000 | 10,647,000 | 10,781,000 |
| Total capital | 10,857,000 | 11,040,000 | 11,188,000 | 11,322,000 |
| Risk-weighted assets | 78,105,000 | 78,983,000 | 79,717,000 | 81,385,000 |