Call reports 2021
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2021
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 122,180,000 | 127,644,000 | 126,369,000 | 134,538,000 |
| Total loans | 87,176,000 | 92,256,000 | 105,982,000 | 107,949,000 |
| Allowance for loan losses | 1,129,000 | 1,207,000 | 1,208,000 | 1,202,000 |
| Securities available for sale | 7,102,000 | 11,094,000 | 10,733,000 | 10,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,000,000 | 111,255,000 | 109,922,000 | 117,759,000 |
| Interest-bearing deposits | 83,613,000 | 87,494,000 | 88,340,000 | 95,860,000 |
| Noninterest-bearing deposits | 25,387,000 | 23,761,000 | 21,582,000 | 21,899,000 |
| Equity capital | 9,613,000 | 12,676,000 | 12,794,000 | 13,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,793,000 | 4,240,000 | 5,888,000 |
| Interest expense | 143,000 | 273,000 | 395,000 | 484,000 |
| Net interest income | 1,262,000 | 2,520,000 | 3,845,000 | 5,404,000 |
| Noninterest income | 53,000 | 115,000 | 274,000 | 629,000 |
| Noninterest expense | 1,218,000 | 2,446,000 | 3,729,000 | 4,878,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 92,000 | 184,000 | 385,000 | 1,150,000 |
| Income tax | 31,000 | 39,000 | 120,000 | 280,000 |
| Net income | 61,000 | 145,000 | 265,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,507,000 | 12,591,000 | 12,711,000 | 13,436,000 |
| Total capital | 10,555,000 | 13,708,000 | 13,919,000 | 14,638,000 |
| Risk-weighted assets | 83,786,000 | 89,294,000 | 108,558,000 | 109,161,000 |