Call reports 2009
CITIZENS SAVINGS BANK — 2009
What CITIZENS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 47,949,000 | 51,835,000 | 49,590,000 | 50,004,000 |
| Total loans | 40,027,000 | 39,583,000 | 41,095,000 | 38,869,000 |
| Allowance for loan losses | 212,000 | 205,000 | 225,000 | 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 | 40,675,000 | 44,615,000 | 42,294,000 | 42,694,000 |
| Interest-bearing deposits | 32,403,000 | 36,941,000 | 34,352,000 | 33,345,000 |
| Noninterest-bearing deposits | 8,272,000 | 7,674,000 | 7,942,000 | 9,349,000 |
| Equity capital | 4,054,000 | 3,970,000 | 4,057,000 | 4,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 661,000 | 1,315,000 | 1,997,000 | 2,657,000 |
| Interest expense | 243,000 | 452,000 | 648,000 | 827,000 |
| Net interest income | 418,000 | 863,000 | 1,349,000 | 1,830,000 |
| Noninterest income | 84,000 | 164,000 | 247,000 | 333,000 |
| Noninterest expense | 391,000 | 789,000 | 1,172,000 | 1,611,000 |
| Provision for loan losses | 29,000 | 40,000 | 53,000 | 53,000 |
| Pretax income | 82,000 | 198,000 | 371,000 | 499,000 |
| Income tax | 5,000 | 10,000 | 18,000 | 28,000 |
| Net income | 77,000 | 188,000 | 353,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,054,000 | 3,970,000 | 4,057,000 | 4,097,000 |
| Total capital | 4,266,000 | 4,175,000 | 4,282,000 | 4,302,000 |
| Risk-weighted assets | 37,508,000 | 37,828,000 | 37,837,000 | 36,546,000 |
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