Call reports 2003
CITIZENS SAVINGS BANK — 2003
What CITIZENS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,683,000 | 38,002,000 | 34,965,000 | 36,882,000 |
| Total loans | 29,785,000 | 32,240,000 | 31,803,000 | 31,684,000 |
| Allowance for loan losses | 201,000 | 181,000 | 210,000 | 181,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 260,000 | 250,000 | 230,000 | 230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,241,000 | 31,684,000 | 28,651,000 | 30,585,000 |
| Interest-bearing deposits | 25,740,000 | 26,626,000 | 24,121,000 | 25,140,000 |
| Noninterest-bearing deposits | 4,501,000 | 5,058,000 | 4,530,000 | 5,445,000 |
| Equity capital | 3,168,000 | 3,190,000 | 3,180,000 | 3,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 584,000 | 1,182,000 | 1,745,000 | 2,301,000 |
| Interest expense | 220,000 | 393,000 | 542,000 | 684,000 |
| Net interest income | 364,000 | 789,000 | 1,203,000 | 1,617,000 |
| Noninterest income | 61,000 | 113,000 | 161,000 | 215,000 |
| Noninterest expense | 318,000 | 660,000 | 1,018,000 | 1,336,000 |
| Provision for loan losses | 28,000 | 59,000 | 88,000 | 104,000 |
| Pretax income | 79,000 | 183,000 | 258,000 | 392,000 |
| Income tax | 3,000 | 7,000 | 13,000 | 20,000 |
| Net income | 76,000 | 176,000 | 245,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,168,000 | 3,190,000 | 3,180,000 | 3,191,000 |
| Total capital | 3,369,000 | 3,371,000 | 3,390,000 | 3,372,000 |
| Risk-weighted assets | 24,424,000 | 25,489,000 | 24,887,000 | 23,587,000 |
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