Call reports 2014
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2014
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 100,027,000 | 97,866,000 | 99,050,000 | 103,189,000 |
| Total loans | 71,318,000 | 77,167,000 | 76,566,000 | 79,700,000 |
| Allowance for loan losses | 1,010,000 | 999,000 | 1,045,000 | 1,071,000 |
| Securities available for sale | 18,425,000 | 13,634,000 | 13,765,000 | 14,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,009,000 | 88,729,000 | 89,505,000 | 93,551,000 |
| Interest-bearing deposits | 79,030,000 | 77,665,000 | 79,286,000 | 81,756,000 |
| Noninterest-bearing deposits | 11,979,000 | 11,064,000 | 10,219,000 | 11,795,000 |
| Equity capital | 7,116,000 | 7,414,000 | 7,662,000 | 8,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,561,000 | 4,063,000 | 5,426,000 |
| Interest expense | 131,000 | 268,000 | 404,000 | 543,000 |
| Net interest income | 1,132,000 | 2,293,000 | 3,659,000 | 4,883,000 |
| Noninterest income | 99,000 | 175,000 | 237,000 | 527,000 |
| Noninterest expense | 1,039,000 | 2,130,000 | 3,321,000 | 4,657,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 147,000 | 257,000 | 449,000 | 597,000 |
| Income tax | 57,000 | 99,000 | 143,000 | 94,000 |
| Net income | 90,000 | 158,000 | 306,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,954,000 | 8,022,000 | 8,173,000 | 8,269,000 |
| Total capital | 8,898,000 | 9,021,000 | 9,169,000 | 9,304,000 |
| Risk-weighted assets | 75,490,000 | 80,240,000 | 79,646,000 | 82,748,000 |