Call reports 2021
CITIZENS SAVINGS BANK — 2021
What CITIZENS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 167,266,000 | 162,712,000 | 182,241,000 | 181,636,000 |
| Total loans | 63,104,000 | 57,788,000 | 57,224,000 | 59,943,000 |
| Allowance for loan losses | 676,000 | 674,000 | 674,000 | 674,000 |
| Securities available for sale | 61,572,000 | 75,559,000 | 80,462,000 | 88,057,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,041,000 | 145,360,000 | 165,112,000 | 163,812,000 |
| Interest-bearing deposits | 129,270,000 | 122,051,000 | 142,234,000 | 127,322,000 |
| Noninterest-bearing deposits | 21,771,000 | 23,309,000 | 22,878,000 | 36,490,000 |
| Equity capital | 14,488,000 | 15,217,000 | 15,265,000 | 14,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,047,000 | 2,277,000 | 3,577,000 | 4,655,000 |
| Interest expense | 131,000 | 250,000 | 368,000 | 474,000 |
| Net interest income | 916,000 | 2,027,000 | 3,209,000 | 4,181,000 |
| Noninterest income | 86,000 | 183,000 | 273,000 | 365,000 |
| Noninterest expense | 617,000 | 1,268,000 | 1,953,000 | 2,574,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 385,000 | 942,000 | 1,529,000 | 1,972,000 |
| Income tax | 19,000 | 46,000 | 75,000 | 97,000 |
| Net income | 366,000 | 896,000 | 1,454,000 | 1,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,504,000 | 13,784,000 | 13,958,000 | 14,034,000 |
| Total capital | 14,180,000 | 14,458,000 | 14,632,000 | 14,708,000 |
| Risk-weighted assets | 83,973,000 | 76,953,000 | 81,572,000 | 81,749,000 |