Call reports 2019
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2019
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 103,372,000 | 99,127,000 | 99,727,000 | 97,321,000 |
| Total loans | 81,537,000 | 80,847,000 | 80,778,000 | 77,782,000 |
| Allowance for loan losses | 1,368,000 | 1,342,000 | 1,338,000 | 1,159,000 |
| Securities available for sale | 11,001,000 | 10,426,000 | 9,171,000 | 8,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,808,000 | 88,360,000 | 88,974,000 | 86,624,000 |
| Interest-bearing deposits | 77,584,000 | 73,157,000 | 73,693,000 | 73,368,000 |
| Noninterest-bearing deposits | 15,224,000 | 15,203,000 | 15,281,000 | 13,256,000 |
| Equity capital | 6,374,000 | 6,509,000 | 6,458,000 | 6,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,319,000 | 2,669,000 | 3,944,000 | 5,217,000 |
| Interest expense | 217,000 | 433,000 | 644,000 | 863,000 |
| Net interest income | 1,102,000 | 2,236,000 | 3,300,000 | 4,354,000 |
| Noninterest income | 68,000 | 153,000 | 259,000 | 228,000 |
| Noninterest expense | 1,083,000 | 2,179,000 | 3,382,000 | 4,348,000 |
| Provision for loan losses | 20,000 | 34,000 | 44,000 | 44,000 |
| Pretax income | 67,000 | 176,000 | 133,000 | 190,000 |
| Income tax | 22,000 | 54,000 | 69,000 | 18,000 |
| Net income | 45,000 | 122,000 | 64,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,442,000 | 6,519,000 | 6,461,000 | 6,469,000 |
| Total capital | 7,495,000 | 7,548,000 | 7,467,000 | 7,435,000 |
| Risk-weighted assets | 83,910,000 | 82,024,000 | 80,151,000 | 77,073,000 |