Call reports 2017
CITIZENS SAVINGS BANK — 2017
What CITIZENS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 124,931,000 | 119,543,000 | 121,309,000 | 119,017,000 |
| Total loans | 60,606,000 | 61,476,000 | 61,123,000 | 61,887,000 |
| Allowance for loan losses | 500,000 | 501,000 | 501,000 | 630,000 |
| Securities available for sale | 46,330,000 | 48,343,000 | 44,680,000 | 43,127,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,675,000 | 104,215,000 | 106,559,000 | 104,337,000 |
| Interest-bearing deposits | 96,121,000 | 90,710,000 | 91,486,000 | 91,189,000 |
| Noninterest-bearing deposits | 13,554,000 | 13,505,000 | 15,073,000 | 13,148,000 |
| Equity capital | 12,154,000 | 12,709,000 | 12,671,000 | 12,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,148,000 | 3,236,000 | 4,387,000 |
| Interest expense | 81,000 | 163,000 | 241,000 | 320,000 |
| Net interest income | 984,000 | 1,985,000 | 2,995,000 | 4,067,000 |
| Noninterest income | 86,000 | 162,000 | 245,000 | 306,000 |
| Noninterest expense | 625,000 | 1,253,000 | 1,894,000 | 2,526,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 445,000 | 894,000 | 1,348,000 | 1,849,000 |
| Income tax | 22,000 | 44,000 | 66,000 | 91,000 |
| Net income | 423,000 | 850,000 | 1,282,000 | 1,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,419,000 | 11,542,000 | 11,649,000 | 11,777,000 |
| Total capital | 11,919,000 | 12,043,000 | 12,150,000 | 12,407,000 |
| Risk-weighted assets | 77,440,000 | 77,744,000 | 80,045,000 | 79,573,000 |