Call reports 2011
CITIZENS SAVINGS BANK — 2011
What CITIZENS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 27,196,000 | 26,761,000 | 27,835,000 | 28,238,000 |
| Total loans | 12,418,000 | 11,731,000 | 11,929,000 | 10,962,000 |
| Allowance for loan losses | 140,000 | 149,000 | 161,000 | 158,000 |
| Securities available for sale | 10,338,000 | 8,478,000 | 5,026,000 | 4,018,000 |
| Securities held to maturity | 2,872,000 | 3,008,000 | 5,204,000 | 5,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,114,000 | 20,492,000 | 21,278,000 | 22,032,000 |
| Interest-bearing deposits | 16,366,000 | 16,647,000 | 17,485,000 | 16,600,000 |
| Noninterest-bearing deposits | 3,748,000 | 3,845,000 | 3,793,000 | 5,432,000 |
| Equity capital | 3,216,000 | 3,339,000 | 3,417,000 | 3,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 573,000 | 836,000 | 1,092,000 |
| Interest expense | 71,000 | 150,000 | 224,000 | 295,000 |
| Net interest income | 225,000 | 423,000 | 612,000 | 797,000 |
| Noninterest income | 28,000 | 59,000 | 94,000 | 123,000 |
| Noninterest expense | 124,000 | 278,000 | 407,000 | 560,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 120,000 | 186,000 | 272,000 | 324,000 |
| Income tax | 5,000 | 10,000 | 13,000 | 17,000 |
| Net income | 115,000 | 176,000 | 259,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,374,000 | 3,360,000 | 3,393,000 | 3,366,000 |
| Total capital | 3,514,000 | 3,509,000 | 3,554,000 | 3,524,000 |
| Risk-weighted assets | 15,857,000 | 15,224,000 | 16,320,000 | 15,861,000 |
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