Call reports 2019
CITIZENS SAVINGS BANK — 2019
What CITIZENS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 121,514,000 | 115,652,000 | 124,682,000 | 122,404,000 |
| Total loans | 66,861,000 | 67,087,000 | 66,695,000 | 66,862,000 |
| Allowance for loan losses | 628,000 | 626,000 | 626,000 | 626,000 |
| Securities available for sale | 39,065,000 | 39,190,000 | 39,833,000 | 40,909,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,379,000 | 100,007,000 | 108,151,000 | 105,519,000 |
| Interest-bearing deposits | 91,341,000 | 85,525,000 | 92,707,000 | 90,625,000 |
| Noninterest-bearing deposits | 14,038,000 | 14,482,000 | 15,444,000 | 14,894,000 |
| Equity capital | 12,855,000 | 13,557,000 | 13,849,000 | 13,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,163,000 | 2,348,000 | 3,544,000 | 4,753,000 |
| Interest expense | 142,000 | 291,000 | 442,000 | 613,000 |
| Net interest income | 1,021,000 | 2,057,000 | 3,102,000 | 4,140,000 |
| Noninterest income | 77,000 | 170,000 | 258,000 | 354,000 |
| Noninterest expense | 628,000 | 1,239,000 | 1,869,000 | 2,518,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 470,000 | 988,000 | 1,491,000 | 1,976,000 |
| Income tax | 23,000 | 48,000 | 73,000 | 97,000 |
| Net income | 447,000 | 940,000 | 1,418,000 | 1,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,437,000 | 12,597,000 | 12,687,000 | 12,814,000 |
| Total capital | 13,065,000 | 13,223,000 | 13,313,000 | 13,440,000 |
| Risk-weighted assets | 81,141,000 | 81,715,000 | 83,298,000 | 81,315,000 |