Call reports 2008
CITIZENS BANK OF CHATSWORTH — 2008
What CITIZENS BANK OF CHATSWORTH 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 | 51,555,000 | 49,955,000 | 49,179,000 | 47,080,000 |
| Total loans | 34,684,000 | 35,242,000 | 36,893,000 | 36,059,000 |
| Allowance for loan losses | 329,000 | 259,000 | 290,000 | 274,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,259,000 | 6,248,000 | 7,256,000 | 7,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,410,000 | 45,804,000 | 43,748,000 | 42,885,000 |
| Interest-bearing deposits | 43,024,000 | 41,334,000 | 40,064,000 | 38,898,000 |
| Noninterest-bearing deposits | 4,386,000 | 4,470,000 | 3,684,000 | 3,987,000 |
| Equity capital | 3,970,000 | 4,000,000 | 4,046,000 | 4,005,000 |
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 | 758,000 | 1,449,000 | 2,130,000 | 2,786,000 |
| Interest expense | 364,000 | 672,000 | 948,000 | 1,200,000 |
| Net interest income | 394,000 | 777,000 | 1,182,000 | 1,586,000 |
| Noninterest income | 48,000 | 92,000 | 131,000 | 168,000 |
| Noninterest expense | 353,000 | 705,000 | 1,058,000 | 1,444,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 59,000 | 104,000 | 165,000 | 190,000 |
| Income tax | 11,000 | 26,000 | 41,000 | 66,000 |
| Net income | 48,000 | 78,000 | 124,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,970,000 | 4,000,000 | 4,046,000 | 4,005,000 |
| Total capital | 4,300,000 | 4,259,000 | 4,336,000 | 4,279,000 |
| Risk-weighted assets | 42,705,000 | 37,207,000 | 38,495,000 | 39,743,000 |
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