Call reports 2005
CITIZENS SAVINGS BANK — 2005
What CITIZENS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 44,005,000 | 45,379,000 | 45,625,000 | 47,607,000 |
| Total loans | 40,399,000 | 42,524,000 | 41,622,000 | 42,429,000 |
| Allowance for loan losses | 214,000 | 214,000 | 214,000 | 209,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 230,000 | 220,000 | 220,000 | 220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,507,000 | 37,522,000 | 37,830,000 | 39,912,000 |
| Interest-bearing deposits | 30,646,000 | 32,717,000 | 31,826,000 | 33,071,000 |
| Noninterest-bearing deposits | 5,861,000 | 4,805,000 | 6,004,000 | 6,841,000 |
| Equity capital | 3,332,000 | 3,504,000 | 3,571,000 | 3,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,305,000 | 1,949,000 | 2,654,000 |
| Interest expense | 180,000 | 388,000 | 623,000 | 884,000 |
| Net interest income | 437,000 | 917,000 | 1,326,000 | 1,770,000 |
| Noninterest income | 59,000 | 111,000 | 170,000 | 228,000 |
| Noninterest expense | 403,000 | 754,000 | 1,151,000 | 1,513,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 58,000 | 239,000 | 310,000 | 450,000 |
| Income tax | 3,000 | 12,000 | 16,000 | 22,000 |
| Net income | 55,000 | 227,000 | 294,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,332,000 | 3,504,000 | 3,571,000 | 3,505,000 |
| Total capital | 3,546,000 | 3,718,000 | 3,785,000 | 3,714,000 |
| Risk-weighted assets | 33,160,000 | 35,304,000 | 35,176,000 | 36,312,000 |
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