Call reports 2011
CITIZENS SAVINGS BANK — 2011
What CITIZENS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 48,501,000 | 51,242,000 | 50,459,000 | 52,984,000 |
| Total loans | 39,085,000 | 38,217,000 | 38,076,000 | 36,702,000 |
| Allowance for loan losses | 205,000 | 201,000 | 205,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 200,000 | 461,000 | 460,000 | 460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,177,000 | 46,806,000 | 45,862,000 | 48,594,000 |
| Interest-bearing deposits | 34,828,000 | 37,473,000 | 35,554,000 | 35,297,000 |
| Noninterest-bearing deposits | 9,349,000 | 9,333,000 | 10,308,000 | 13,297,000 |
| Equity capital | 4,178,000 | 4,282,000 | 4,429,000 | 4,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 581,000 | 1,165,000 | 1,748,000 | 2,302,000 |
| Interest expense | 100,000 | 205,000 | 304,000 | 389,000 |
| Net interest income | 481,000 | 960,000 | 1,444,000 | 1,913,000 |
| Noninterest income | 53,000 | 118,000 | 194,000 | 265,000 |
| Noninterest expense | 362,000 | 711,000 | 1,063,000 | 1,563,000 |
| Provision for loan losses | 0 | 5,000 | 17,000 | 17,000 |
| Pretax income | 172,000 | 362,000 | 558,000 | 598,000 |
| Income tax | 9,000 | 18,000 | 28,000 | 35,000 |
| Net income | 163,000 | 344,000 | 530,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,178,000 | 4,282,000 | 4,429,000 | 4,208,000 |
| Total capital | 4,383,000 | 4,483,000 | 4,634,000 | 4,413,000 |
| Risk-weighted assets | 36,271,000 | 36,562,000 | 36,334,000 | 35,475,000 |