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 | 332,228,000 | 339,289,000 | 335,063,000 | 331,703,000 |
| Total loans | 227,131,000 | 229,290,000 | 232,018,000 | 233,935,000 |
| Allowance for loan losses | 747,000 | 790,000 | 798,000 | 795,000 |
| Securities available for sale | 60,730,000 | 59,697,000 | 57,287,000 | 50,880,000 |
| Securities held to maturity | 2,829,000 | 2,740,000 | 2,632,000 | 2,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,043,000 | 287,809,000 | 282,725,000 | 278,869,000 |
| Interest-bearing deposits | 266,238,000 | 272,605,000 | 269,073,000 | 265,523,000 |
| Noninterest-bearing deposits | 14,805,000 | 15,204,000 | 13,652,000 | 13,346,000 |
| Equity capital | 38,297,000 | 38,911,000 | 39,493,000 | 39,765,000 |
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 | 3,303,000 | 6,530,000 | 9,711,000 | 12,772,000 |
| Interest expense | 633,000 | 1,254,000 | 1,850,000 | 2,421,000 |
| Net interest income | 2,670,000 | 5,276,000 | 7,861,000 | 10,351,000 |
| Noninterest income | 224,000 | 449,000 | 653,000 | 867,000 |
| Noninterest expense | 1,932,000 | 3,949,000 | 5,939,000 | 8,060,000 |
| Provision for loan losses | 37,000 | 78,000 | 77,000 | 176,000 |
| Pretax income | 925,000 | 1,698,000 | 2,498,000 | 2,982,000 |
| Income tax | 299,000 | 548,000 | 805,000 | 951,000 |
| Net income | 626,000 | 1,150,000 | 1,693,000 | 2,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,444,000 | 37,969,000 | 38,511,000 | 38,848,000 |
| Total capital | 38,191,000 | 38,759,000 | 39,309,000 | 39,643,000 |
| Risk-weighted assets | 159,462,000 | 160,619,000 | 162,110,000 | 161,691,000 |