Call reports 2017
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2017
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 103,902,000 | 106,728,000 | 108,207,000 | 104,663,000 |
| Total loans | 91,487,000 | 92,389,000 | 91,099,000 | 87,153,000 |
| Allowance for loan losses | 1,954,000 | 1,953,000 | 1,769,000 | 1,686,000 |
| Securities available for sale | 5,356,000 | 5,414,000 | 5,346,000 | 5,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,733,000 | 92,926,000 | 94,232,000 | 93,746,000 |
| Interest-bearing deposits | 76,720,000 | 80,097,000 | 82,808,000 | 82,023,000 |
| Noninterest-bearing deposits | 13,013,000 | 12,829,000 | 11,424,000 | 11,723,000 |
| Equity capital | 9,494,000 | 9,516,000 | 9,470,000 | 6,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,403,000 | 2,747,000 | 4,123,000 | 5,444,000 |
| Interest expense | 172,000 | 360,000 | 570,000 | 785,000 |
| Net interest income | 1,231,000 | 2,387,000 | 3,553,000 | 4,659,000 |
| Noninterest income | 62,000 | 143,000 | 225,000 | 256,000 |
| Noninterest expense | 1,187,000 | 2,420,000 | 3,719,000 | 5,646,000 |
| Provision for loan losses | 30,000 | 30,000 | 75,000 | 851,000 |
| Pretax income | 76,000 | 80,000 | -16,000 | -1,582,000 |
| Income tax | 17,000 | 17,000 | 17,000 | 1,423,000 |
| Net income | 59,000 | 63,000 | -33,000 | -3,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,686,000 | 8,641,000 | 8,600,000 | 6,373,000 |
| Total capital | 9,921,000 | 9,874,000 | 9,813,000 | 7,535,000 |
| Risk-weighted assets | 97,900,000 | 97,723,000 | 96,319,000 | 92,425,000 |