Call reports 2016
CITIZENS SAVINGS BANK — 2016
What CITIZENS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 130,743,000 | 127,164,000 | 124,211,000 | 120,683,000 |
| Total loans | 62,209,000 | 62,247,000 | 61,251,000 | 61,322,000 |
| Allowance for loan losses | 541,000 | 541,000 | 541,000 | 500,000 |
| Securities available for sale | 56,153,000 | 56,458,000 | 51,397,000 | 46,907,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,265,000 | 107,619,000 | 108,887,000 | 107,064,000 |
| Interest-bearing deposits | 105,039,000 | 95,213,000 | 96,227,000 | 94,092,000 |
| Noninterest-bearing deposits | 11,226,000 | 12,406,000 | 12,660,000 | 12,972,000 |
| Equity capital | 12,613,000 | 13,463,000 | 13,205,000 | 11,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,151,000 | 2,305,000 | 3,437,000 | 4,512,000 |
| Interest expense | 91,000 | 178,000 | 271,000 | 359,000 |
| Net interest income | 1,060,000 | 2,127,000 | 3,166,000 | 4,153,000 |
| Noninterest income | 76,000 | 153,000 | 250,000 | 339,000 |
| Noninterest expense | 642,000 | 1,280,000 | 1,923,000 | 2,534,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 494,000 | 1,000,000 | 1,575,000 | 2,110,000 |
| Income tax | 24,000 | 49,000 | 77,000 | 104,000 |
| Net income | 470,000 | 951,000 | 1,498,000 | 2,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,901,000 | 11,050,000 | 11,182,000 | 11,304,000 |
| Total capital | 11,442,000 | 11,591,000 | 11,723,000 | 11,804,000 |
| Risk-weighted assets | 79,988,000 | 78,513,000 | 78,400,000 | 78,031,000 |