Call reports 2018
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2018
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 101,278,000 | 106,228,000 | 104,819,000 | 103,080,000 |
| Total loans | 86,244,000 | 82,823,000 | 83,446,000 | 83,998,000 |
| Allowance for loan losses | 1,715,000 | 1,747,000 | 1,746,000 | 1,445,000 |
| Securities available for sale | 5,110,000 | 10,987,000 | 10,888,000 | 10,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,844,000 | 95,908,000 | 94,418,000 | 92,603,000 |
| Interest-bearing deposits | 78,920,000 | 82,101,000 | 80,374,000 | 77,409,000 |
| Noninterest-bearing deposits | 11,924,000 | 13,807,000 | 14,044,000 | 15,194,000 |
| Equity capital | 6,110,000 | 6,046,000 | 6,089,000 | 6,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,277,000 | 2,681,000 | 4,010,000 | 5,312,000 |
| Interest expense | 206,000 | 427,000 | 638,000 | 854,000 |
| Net interest income | 1,071,000 | 2,254,000 | 3,372,000 | 4,458,000 |
| Noninterest income | 40,000 | 121,000 | 207,000 | 327,000 |
| Noninterest expense | 1,164,000 | 2,438,000 | 3,561,000 | 4,687,000 |
| Provision for loan losses | 30,000 | 66,000 | 66,000 | 66,000 |
| Pretax income | -83,000 | -129,000 | -48,000 | 32,000 |
| Income tax | 8,000 | 14,000 | 19,000 | 12,000 |
| Net income | -91,000 | -143,000 | -67,000 | 20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,282,000 | 6,230,000 | 6,306,000 | 6,393,000 |
| Total capital | 7,434,000 | 7,323,000 | 7,398,000 | 7,487,000 |
| Risk-weighted assets | 91,626,000 | 86,804,000 | 86,722,000 | 87,177,000 |