Call reports 2016
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2016
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 105,862,000 | 110,139,000 | 109,858,000 | 101,688,000 |
| Total loans | 88,568,000 | 89,987,000 | 82,424,000 | 87,535,000 |
| Allowance for loan losses | 1,223,000 | 1,285,000 | 1,333,000 | 1,988,000 |
| Securities available for sale | 10,687,000 | 7,081,000 | 3,497,000 | 5,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,819,000 | 95,864,000 | 95,606,000 | 87,976,000 |
| Interest-bearing deposits | 81,951,000 | 84,751,000 | 83,341,000 | 75,824,000 |
| Noninterest-bearing deposits | 10,868,000 | 11,113,000 | 12,265,000 | 12,152,000 |
| Equity capital | 9,806,000 | 10,103,000 | 10,103,000 | 9,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,939,000 | 4,284,000 | 5,521,000 |
| Interest expense | 169,000 | 357,000 | 550,000 | 734,000 |
| Net interest income | 1,188,000 | 2,582,000 | 3,734,000 | 4,787,000 |
| Noninterest income | 62,000 | 131,000 | 201,000 | 345,000 |
| Noninterest expense | 1,154,000 | 2,385,000 | 3,588,000 | 4,898,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 827,000 |
| Pretax income | 66,000 | 253,000 | 227,000 | -593,000 |
| Income tax | 16,000 | 86,000 | 91,000 | -100,000 |
| Net income | 50,000 | 167,000 | 136,000 | -493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,819,000 | 10,100,000 | 10,105,000 | 8,442,000 |
| Total capital | 10,944,000 | 11,244,000 | 11,172,000 | 9,605,000 |
| Risk-weighted assets | 89,938,000 | 91,402,000 | 85,062,000 | 91,843,000 |