Call reports 2008
CITIZENS SAVINGS BANK — 2008
What CITIZENS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 49,380,000 | 50,451,000 | 50,549,000 | 51,632,000 |
| Total loans | 40,557,000 | 41,301,000 | 42,605,000 | 40,875,000 |
| Allowance for loan losses | 210,000 | 200,000 | 173,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,108,000 | 41,046,000 | 39,059,000 | 41,342,000 |
| Interest-bearing deposits | 32,202,000 | 33,825,000 | 31,409,000 | 32,766,000 |
| Noninterest-bearing deposits | 7,906,000 | 7,221,000 | 7,650,000 | 8,576,000 |
| Equity capital | 3,967,000 | 4,086,000 | 4,151,000 | 4,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,516,000 | 2,275,000 | 3,012,000 |
| Interest expense | 353,000 | 674,000 | 971,000 | 1,260,000 |
| Net interest income | 419,000 | 842,000 | 1,304,000 | 1,752,000 |
| Noninterest income | 100,000 | 184,000 | 250,000 | 317,000 |
| Noninterest expense | 382,000 | 741,000 | 1,084,000 | 1,517,000 |
| Provision for loan losses | 15,000 | 36,000 | 70,000 | 128,000 |
| Pretax income | 122,000 | 249,000 | 400,000 | 424,000 |
| Income tax | -10,000 | -1,000 | 6,000 | 9,000 |
| Net income | 132,000 | 250,000 | 394,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,967,000 | 4,086,000 | 4,151,000 | 4,016,000 |
| Total capital | 4,177,000 | 4,286,000 | 4,324,000 | 4,221,000 |
| Risk-weighted assets | 37,986,000 | 39,084,000 | 39,757,000 | 39,055,000 |
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