Call reports 2001
CITIZENS SAVINGS BANK — 2001
What CITIZENS SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 26,240,000 | 26,760,000 | 27,409,000 | 29,604,000 |
| Total loans | 17,089,000 | 18,071,000 | 18,513,000 | 19,139,000 |
| Allowance for loan losses | 225,000 | 258,000 | 261,000 | 269,000 |
| Securities available for sale | 7,426,000 | 5,636,000 | 6,089,000 | 5,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,351,000 | 23,685,000 | 24,182,000 | 25,916,000 |
| Interest-bearing deposits | 21,149,000 | 17,478,000 | 21,771,000 | 22,974,000 |
| Noninterest-bearing deposits | 2,202,000 | 6,207,000 | 2,411,000 | 2,942,000 |
| Equity capital | 2,702,000 | 2,842,000 | 2,966,000 | 2,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 478,000 | 966,000 | 1,451,000 | 1,942,000 |
| Interest expense | 251,000 | 498,000 | 732,000 | 948,000 |
| Net interest income | 227,000 | 468,000 | 719,000 | 994,000 |
| Noninterest income | 27,000 | 64,000 | 95,000 | 127,000 |
| Noninterest expense | 185,000 | 362,000 | 534,000 | 749,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 62,000 | 155,000 | 254,000 | 338,000 |
| Income tax | 20,000 | 50,000 | 89,000 | 139,000 |
| Net income | 42,000 | 105,000 | 165,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,719,000 | 2,746,000 | 2,827,000 | 2,846,000 |
| Total capital | 2,944,000 | 3,000,000 | 3,086,000 | 3,113,000 |
| Risk-weighted assets | 19,627,000 | 20,280,000 | 20,728,000 | 21,329,000 |