Call reports 2012
CITIZENS SAVINGS BANK — 2012
What CITIZENS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 52,415,000 | 52,471,000 | 51,086,000 | 57,301,000 |
| Total loans | 36,807,000 | 37,651,000 | 37,813,000 | 38,318,000 |
| Allowance for loan losses | 205,000 | 193,000 | 206,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 459,000 | 568,000 | 569,000 | 569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,992,000 | 48,038,000 | 46,565,000 | 52,834,000 |
| Interest-bearing deposits | 35,203,000 | 36,418,000 | 34,607,000 | 36,954,000 |
| Noninterest-bearing deposits | 12,789,000 | 11,620,000 | 11,958,000 | 15,880,000 |
| Equity capital | 4,288,000 | 4,302,000 | 4,370,000 | 4,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 530,000 | 1,061,000 | 1,604,000 | 2,108,000 |
| Interest expense | 73,000 | 131,000 | 184,000 | 234,000 |
| Net interest income | 457,000 | 930,000 | 1,420,000 | 1,874,000 |
| Noninterest income | 55,000 | 110,000 | 160,000 | 235,000 |
| Noninterest expense | 348,000 | 693,000 | 1,048,000 | 1,488,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 44,000 |
| Pretax income | 164,000 | 347,000 | 520,000 | 577,000 |
| Income tax | 6,000 | 18,000 | 27,000 | 34,000 |
| Net income | 158,000 | 329,000 | 493,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,288,000 | 4,302,000 | 4,370,000 | 4,263,000 |
| Total capital | 4,493,000 | 4,495,000 | 4,576,000 | 4,468,000 |
| Risk-weighted assets | 37,819,000 | 38,437,000 | 38,091,000 | 39,143,000 |