Call reports 2015
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2015
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 103,322,000 | 104,095,000 | 105,132,000 | 104,133,000 |
| Total loans | 81,644,000 | 84,335,000 | 85,286,000 | 85,928,000 |
| Allowance for loan losses | 1,159,000 | 1,186,000 | 1,212,000 | 1,210,000 |
| Securities available for sale | 12,489,000 | 12,067,000 | 12,424,000 | 12,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,572,000 | 92,799,000 | 92,482,000 | 91,451,000 |
| Interest-bearing deposits | 83,081,000 | 81,998,000 | 82,554,000 | 80,536,000 |
| Noninterest-bearing deposits | 10,491,000 | 10,801,000 | 9,928,000 | 10,915,000 |
| Equity capital | 8,215,000 | 8,002,000 | 9,343,000 | 9,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 2,779,000 | 4,191,000 | 5,594,000 |
| Interest expense | 148,000 | 299,000 | 459,000 | 619,000 |
| Net interest income | 1,244,000 | 2,480,000 | 3,732,000 | 4,975,000 |
| Noninterest income | 53,000 | 153,000 | 291,000 | 373,000 |
| Noninterest expense | 1,133,000 | 2,342,000 | 3,618,000 | 4,858,000 |
| Provision for loan losses | 45,000 | 75,000 | 105,000 | 120,000 |
| Pretax income | 132,000 | 229,000 | 315,000 | 360,000 |
| Income tax | 43,000 | 74,000 | 92,000 | -5,000 |
| Net income | 89,000 | 155,000 | 223,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,358,000 | 8,423,000 | 9,529,000 | 9,699,000 |
| Total capital | 9,406,000 | 9,498,000 | 10,621,000 | 10,791,000 |
| Risk-weighted assets | 83,744,000 | 85,848,000 | 87,260,000 | 87,269,000 |