Call reports 2020
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2020
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 97,083,000 | 104,095,000 | 106,332,000 | 111,579,000 |
| Total loans | 74,612,000 | 79,511,000 | 83,010,000 | 86,073,000 |
| Allowance for loan losses | 1,133,000 | 1,110,000 | 1,101,000 | 1,123,000 |
| Securities available for sale | 6,458,000 | 5,739,000 | 4,976,000 | 8,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,205,000 | 93,871,000 | 95,938,000 | 101,168,000 |
| Interest-bearing deposits | 72,418,000 | 71,673,000 | 74,764,000 | 80,404,000 |
| Noninterest-bearing deposits | 13,787,000 | 22,198,000 | 21,174,000 | 20,764,000 |
| Equity capital | 6,694,000 | 6,688,000 | 6,727,000 | 6,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,420,000 | 3,679,000 | 5,016,000 |
| Interest expense | 219,000 | 421,000 | 599,000 | 759,000 |
| Net interest income | 988,000 | 1,999,000 | 3,080,000 | 4,257,000 |
| Noninterest income | 87,000 | 109,000 | 187,000 | 246,000 |
| Noninterest expense | 1,031,000 | 2,058,000 | 3,143,000 | 4,321,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 44,000 | 50,000 | 124,000 | 167,000 |
| Income tax | 12,000 | 12,000 | 29,000 | 48,000 |
| Net income | 32,000 | 38,000 | 95,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,501,000 | 6,507,000 | 6,565,000 | 6,827,000 |
| Total capital | 7,430,000 | 7,489,000 | 7,571,000 | 7,874,000 |
| Risk-weighted assets | 74,123,000 | 78,456,000 | 80,350,000 | 83,704,000 |