Call reports 2012
CITIZENS SAVINGS BANK — 2012
What CITIZENS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 28,784,000 | 28,564,000 | 28,388,000 | 30,121,000 |
| Total loans | 9,197,000 | 8,561,000 | 8,897,000 | 8,529,000 |
| Allowance for loan losses | 133,000 | 143,000 | 149,000 | 147,000 |
| Securities available for sale | 4,012,000 | 5,507,000 | 6,517,000 | 5,014,000 |
| Securities held to maturity | 5,903,000 | 6,775,000 | 7,017,000 | 7,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,302,000 | 23,101,000 | 22,886,000 | 24,631,000 |
| Interest-bearing deposits | 18,002,000 | 17,957,000 | 18,000,000 | 18,067,000 |
| Noninterest-bearing deposits | 5,300,000 | 5,144,000 | 4,886,000 | 6,564,000 |
| Equity capital | 3,405,000 | 3,381,000 | 3,424,000 | 3,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 241,000 | 467,000 | 693,000 | 908,000 |
| Interest expense | 66,000 | 127,000 | 185,000 | 240,000 |
| Net interest income | 175,000 | 340,000 | 508,000 | 668,000 |
| Noninterest income | 51,000 | 80,000 | 108,000 | 136,000 |
| Noninterest expense | 137,000 | 288,000 | 419,000 | 546,000 |
| Provision for loan losses | 9,000 | 18,000 | 24,000 | 36,000 |
| Pretax income | 80,000 | 114,000 | 173,000 | 222,000 |
| Income tax | 2,000 | 6,000 | 8,000 | 10,000 |
| Net income | 78,000 | 108,000 | 165,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,394,000 | 3,374,000 | 3,407,000 | 3,428,000 |
| Total capital | 3,527,000 | 3,517,000 | 3,556,000 | 3,575,000 |
| Risk-weighted assets | 14,504,000 | 14,214,000 | 14,551,000 | 14,622,000 |