Call reports 2010
CITIZENS SAVINGS BANK — 2010
What CITIZENS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 24,933,000 | 24,834,000 | 25,730,000 | 27,403,000 |
| Total loans | 10,978,000 | 11,193,000 | 12,469,000 | 12,191,000 |
| Allowance for loan losses | 98,000 | 107,000 | 123,000 | 129,000 |
| Securities available for sale | 7,329,000 | 9,633,000 | 7,623,000 | 10,830,000 |
| Securities held to maturity | 2,798,000 | 2,692,000 | 2,687,000 | 2,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,383,000 | 18,569,000 | 18,781,000 | 19,545,000 |
| Interest-bearing deposits | 15,887,000 | 15,520,000 | 15,588,000 | 15,509,000 |
| Noninterest-bearing deposits | 3,496,000 | 3,049,000 | 3,193,000 | 4,036,000 |
| Equity capital | 3,447,000 | 3,461,000 | 3,467,000 | 3,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 293,000 | 583,000 | 873,000 | 1,166,000 |
| Interest expense | 91,000 | 176,000 | 256,000 | 334,000 |
| Net interest income | 202,000 | 407,000 | 617,000 | 832,000 |
| Noninterest income | 29,000 | 65,000 | 103,000 | 133,000 |
| Noninterest expense | 132,000 | 294,000 | 435,000 | 601,000 |
| Provision for loan losses | 9,000 | 18,000 | 31,000 | 46,000 |
| Pretax income | 90,000 | 160,000 | 254,000 | 318,000 |
| Income tax | 7,000 | 11,000 | 14,000 | 18,000 |
| Net income | 83,000 | 149,000 | 240,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,343,000 | 3,333,000 | 3,349,000 | 3,335,000 |
| Total capital | 3,441,000 | 3,440,000 | 3,472,000 | 3,464,000 |
| Risk-weighted assets | 14,087,000 | 14,318,000 | 15,491,000 | 15,644,000 |
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