Call reports 2008
CITIZENS SAVINGS BANK — 2008
What CITIZENS SAVINGS BANK 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 | 24,257,000 | 23,960,000 | 23,918,000 | 24,127,000 |
| Total loans | 11,891,000 | 11,417,000 | 12,477,000 | 11,847,000 |
| Allowance for loan losses | 102,000 | 101,000 | 103,000 | 103,000 |
| Securities available for sale | 6,729,000 | 6,122,000 | 5,611,000 | 5,437,000 |
| Securities held to maturity | 2,471,000 | 2,346,000 | 2,317,000 | 2,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,218,000 | 17,402,000 | 17,155,000 | 18,518,000 |
| Interest-bearing deposits | 14,939,000 | 15,432,000 | 14,730,000 | 15,099,000 |
| Noninterest-bearing deposits | 2,279,000 | 1,970,000 | 2,425,000 | 3,419,000 |
| Equity capital | 3,472,000 | 3,415,000 | 3,415,000 | 3,495,000 |
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 | 367,000 | 718,000 | 1,072,000 | 1,416,000 |
| Interest expense | 168,000 | 308,000 | 445,000 | 567,000 |
| Net interest income | 199,000 | 410,000 | 627,000 | 849,000 |
| Noninterest income | 31,000 | 70,000 | 111,000 | 139,000 |
| Noninterest expense | 122,000 | 248,000 | 389,000 | 524,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 232,000 | 349,000 | 464,000 |
| Income tax | 2,000 | 6,000 | 10,000 | 18,000 |
| Net income | 106,000 | 226,000 | 339,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,250,000 | 3,295,000 | 3,308,000 | 3,315,000 |
| Total capital | 3,352,000 | 3,396,000 | 3,411,000 | 3,418,000 |
| Risk-weighted assets | 14,230,000 | 13,920,000 | 14,915,000 | 14,417,000 |
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