Call reports 2013
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2013
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 91,048,000 | 93,174,000 | 97,201,000 | 97,215,000 |
| Total loans | 62,930,000 | 64,283,000 | 63,605,000 | 65,064,000 |
| Allowance for loan losses | 987,000 | 1,031,000 | 1,070,000 | 969,000 |
| Securities available for sale | 12,315,000 | 13,272,000 | 18,659,000 | 17,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,644,000 | 83,432,000 | 87,811,000 | 88,637,000 |
| Interest-bearing deposits | 70,477,000 | 69,879,000 | 73,378,000 | 73,710,000 |
| Noninterest-bearing deposits | 10,167,000 | 13,553,000 | 14,433,000 | 14,927,000 |
| Equity capital | 8,465,000 | 7,814,000 | 7,524,000 | 6,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,252,000 | 3,480,000 | 4,705,000 |
| Interest expense | 127,000 | 251,000 | 381,000 | 511,000 |
| Net interest income | 974,000 | 2,001,000 | 3,099,000 | 4,194,000 |
| Noninterest income | 91,000 | 180,000 | 261,000 | 332,000 |
| Noninterest expense | 1,083,000 | 2,247,000 | 3,371,000 | 4,868,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 165,000 |
| Pretax income | 138,000 | 45,000 | 52,000 | -324,000 |
| Income tax | 57,000 | 26,000 | 33,000 | 19,000 |
| Net income | 81,000 | 19,000 | 19,000 | -343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,400,000 | 8,328,000 | 8,328,000 | 7,866,000 |
| Total capital | 9,239,000 | 9,185,000 | 9,197,000 | 8,754,000 |
| Risk-weighted assets | 66,961,000 | 68,411,000 | 69,294,000 | 71,014,000 |