Call reports 2004
CITIZENS SAVINGS BANK — 2004
What CITIZENS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,561,000 | 20,752,000 | 21,660,000 | 22,560,000 |
| Total loans | 8,685,000 | 8,538,000 | 8,966,000 | 9,505,000 |
| Allowance for loan losses | 104,000 | 105,000 | 104,000 | 112,000 |
| Securities available for sale | 8,643,000 | 9,078,000 | 9,156,000 | 9,102,000 |
| Securities held to maturity | 2,524,000 | 2,374,000 | 2,854,000 | 2,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,867,000 | 16,228,000 | 15,985,000 | 16,391,000 |
| Interest-bearing deposits | 15,048,000 | 15,035,000 | 14,773,000 | 14,282,000 |
| Noninterest-bearing deposits | 1,819,000 | 1,193,000 | 1,212,000 | 2,109,000 |
| Equity capital | 2,996,000 | 2,845,000 | 2,901,000 | 2,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 243,000 | 480,000 | 727,000 | 980,000 |
| Interest expense | 93,000 | 182,000 | 277,000 | 377,000 |
| Net interest income | 150,000 | 298,000 | 450,000 | 603,000 |
| Noninterest income | 26,000 | 52,000 | 90,000 | 114,000 |
| Noninterest expense | 92,000 | 194,000 | 302,000 | 409,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 76,000 | 141,000 | 215,000 | 278,000 |
| Income tax | 19,000 | 32,000 | 49,000 | 61,000 |
| Net income | 57,000 | 109,000 | 166,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,969,000 | 2,921,000 | 2,928,000 | 2,929,000 |
| Total capital | 3,073,000 | 3,026,000 | 3,032,000 | 3,041,000 |
| Risk-weighted assets | 11,277,000 | 11,166,000 | 11,503,000 | 12,281,000 |
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