Call reports 2020
CITIZENS SAVINGS BANK — 2020
What CITIZENS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 135,744,000 | 137,442,000 | 150,051,000 | 150,310,000 |
| Total loans | 69,045,000 | 66,693,000 | 65,681,000 | 60,885,000 |
| Allowance for loan losses | 626,000 | 676,000 | 676,000 | 676,000 |
| Securities available for sale | 42,900,000 | 45,279,000 | 46,760,000 | 52,777,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,909,000 | 120,392,000 | 132,726,000 | 132,730,000 |
| Interest-bearing deposits | 105,189,000 | 102,641,000 | 110,308,000 | 109,851,000 |
| Noninterest-bearing deposits | 13,720,000 | 17,751,000 | 22,418,000 | 22,879,000 |
| Equity capital | 13,271,000 | 14,893,000 | 15,024,000 | 15,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,188,000 | 2,480,000 | 3,608,000 | 4,675,000 |
| Interest expense | 172,000 | 340,000 | 485,000 | 624,000 |
| Net interest income | 1,016,000 | 2,140,000 | 3,123,000 | 4,051,000 |
| Noninterest income | 78,000 | 152,000 | 238,000 | 334,000 |
| Noninterest expense | 599,000 | 1,210,000 | 1,811,000 | 2,411,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 495,000 | 1,032,000 | 1,500,000 | 1,924,000 |
| Income tax | 24,000 | 51,000 | 74,000 | 94,000 |
| Net income | 471,000 | 981,000 | 1,426,000 | 1,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,944,000 | 13,158,000 | 13,244,000 | 13,392,000 |
| Total capital | 13,570,000 | 13,834,000 | 13,920,000 | 14,068,000 |
| Risk-weighted assets | 86,486,000 | 79,902,000 | 82,044,000 | 80,203,000 |