Call reports 2005
CITIZENS SAVINGS BANK — 2005
What CITIZENS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 22,074,000 | 20,989,000 | 21,772,000 | 22,381,000 |
| Total loans | 9,608,000 | 8,674,000 | 9,294,000 | 9,205,000 |
| Allowance for loan losses | 116,000 | 122,000 | 127,000 | 134,000 |
| Securities available for sale | 9,021,000 | 9,084,000 | 9,056,000 | 9,560,000 |
| Securities held to maturity | 2,743,000 | 2,590,000 | 2,590,000 | 2,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,219,000 | 14,293,000 | 15,768,000 | 15,849,000 |
| Interest-bearing deposits | 13,574,000 | 13,069,000 | 14,328,000 | 13,842,000 |
| Noninterest-bearing deposits | 1,645,000 | 1,224,000 | 1,441,000 | 2,007,000 |
| Equity capital | 2,781,000 | 2,794,000 | 2,786,000 | 2,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 253,000 | 502,000 | 752,000 | 1,013,000 |
| Interest expense | 105,000 | 221,000 | 338,000 | 463,000 |
| Net interest income | 148,000 | 281,000 | 414,000 | 550,000 |
| Noninterest income | 26,000 | 56,000 | 94,000 | 121,000 |
| Noninterest expense | 90,000 | 195,000 | 287,000 | 396,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 77,000 | 127,000 | 199,000 | 245,000 |
| Income tax | 48,000 | 52,000 | 56,000 | 59,000 |
| Net income | 29,000 | 75,000 | 143,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,908,000 | 2,904,000 | 2,922,000 | 2,965,000 |
| Total capital | 3,024,000 | 3,026,000 | 3,049,000 | 3,099,000 |
| Risk-weighted assets | 12,340,000 | 11,312,000 | 12,047,000 | 11,988,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS SAVINGS BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.