Call reports 2009
CITIZENS SAVINGS BANK — 2009
What CITIZENS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 24,319,000 | 25,073,000 | 24,094,000 | 25,298,000 |
| Total loans | 11,231,000 | 12,306,000 | 11,940,000 | 11,956,000 |
| Allowance for loan losses | 104,000 | 105,000 | 105,000 | 87,000 |
| Securities available for sale | 5,904,000 | 7,850,000 | 6,392,000 | 6,355,000 |
| Securities held to maturity | 2,463,000 | 2,787,000 | 2,842,000 | 2,841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,743,000 | 19,059,000 | 18,514,000 | 19,770,000 |
| Interest-bearing deposits | 15,521,000 | 16,371,000 | 15,349,000 | 15,318,000 |
| Noninterest-bearing deposits | 3,222,000 | 2,688,000 | 3,165,000 | 4,452,000 |
| Equity capital | 3,451,000 | 3,373,000 | 3,434,000 | 3,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 635,000 | 975,000 | 1,299,000 |
| Interest expense | 113,000 | 226,000 | 335,000 | 435,000 |
| Net interest income | 199,000 | 409,000 | 640,000 | 864,000 |
| Noninterest income | 27,000 | 61,000 | 100,000 | 144,000 |
| Noninterest expense | 134,000 | 302,000 | 444,000 | 595,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 168,000 | 296,000 | 413,000 |
| Income tax | 4,000 | 6,000 | 13,000 | 19,000 |
| Net income | 88,000 | 162,000 | 283,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,303,000 | 3,277,000 | 3,298,000 | 3,334,000 |
| Total capital | 3,407,000 | 3,382,000 | 3,403,000 | 3,421,000 |
| Risk-weighted assets | 13,921,000 | 15,122,000 | 14,797,000 | 15,025,000 |
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