Call reports 2004
CITIZENS SAVINGS BANK — 2004
What CITIZENS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,265,000 | 36,497,000 | 36,479,000 | 42,139,000 |
| Total loans | 33,297,000 | 32,571,000 | 33,509,000 | 38,190,000 |
| Allowance for loan losses | 182,000 | 176,000 | 175,000 | 179,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 230,000 | 550,000 | 30,000 | 230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,906,000 | 31,046,000 | 28,994,000 | 34,720,000 |
| Interest-bearing deposits | 25,936,000 | 26,419,000 | 24,043,000 | 27,947,000 |
| Noninterest-bearing deposits | 5,970,000 | 4,627,000 | 4,951,000 | 6,773,000 |
| Equity capital | 3,247,000 | 3,327,000 | 3,351,000 | 3,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 538,000 | 1,099,000 | 1,639,000 | 2,235,000 |
| Interest expense | 140,000 | 281,000 | 422,000 | 584,000 |
| Net interest income | 398,000 | 818,000 | 1,217,000 | 1,651,000 |
| Noninterest income | 65,000 | 115,000 | 188,000 | 246,000 |
| Noninterest expense | 323,000 | 667,000 | 1,032,000 | 1,452,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 140,000 | 266,000 | 373,000 | 440,000 |
| Income tax | 7,000 | 13,000 | 19,000 | 23,000 |
| Net income | 133,000 | 253,000 | 354,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,247,000 | 3,327,000 | 3,351,000 | 3,277,000 |
| Total capital | 3,429,000 | 3,503,000 | 3,526,000 | 3,456,000 |
| Risk-weighted assets | 26,422,000 | 25,043,000 | 26,041,000 | 31,332,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS SAVINGS BANK — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.