Call reports 2018
CITIZENS SAVINGS BANK — 2018
What CITIZENS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 123,624,000 | 124,749,000 | 123,349,000 | 120,063,000 |
| Total loans | 65,005,000 | 67,763,000 | 67,022,000 | 67,826,000 |
| Allowance for loan losses | 630,000 | 630,000 | 630,000 | 630,000 |
| Securities available for sale | 42,399,000 | 41,264,000 | 36,369,000 | 38,986,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,779,000 | 109,226,000 | 108,926,000 | 104,079,000 |
| Interest-bearing deposits | 94,716,000 | 96,165,000 | 95,526,000 | 89,791,000 |
| Noninterest-bearing deposits | 13,063,000 | 13,061,000 | 13,400,000 | 14,288,000 |
| Equity capital | 12,001,000 | 12,099,000 | 11,942,000 | 12,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,088,000 | 2,259,000 | 3,430,000 | 4,600,000 |
| Interest expense | 76,000 | 189,000 | 321,000 | 463,000 |
| Net interest income | 1,012,000 | 2,070,000 | 3,109,000 | 4,137,000 |
| Noninterest income | 78,000 | 161,000 | 248,000 | 351,000 |
| Noninterest expense | 632,000 | 1,258,000 | 1,882,000 | 2,508,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 458,000 | 973,000 | 1,537,000 | 2,042,000 |
| Income tax | 23,000 | 48,000 | 76,000 | 100,000 |
| Net income | 435,000 | 925,000 | 1,461,000 | 1,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,896,000 | 12,060,000 | 12,235,000 | 12,346,000 |
| Total capital | 12,526,000 | 12,690,000 | 12,865,000 | 12,976,000 |
| Risk-weighted assets | 80,348,000 | 83,274,000 | 82,904,000 | 82,189,000 |