Call reports 2002
CITIZENS SAVINGS BANK — 2002
What CITIZENS SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 28,616,000 | 28,945,000 | 29,393,000 | 30,500,000 |
| Total loans | 19,026,000 | 19,553,000 | 20,472,000 | 19,456,000 |
| Allowance for loan losses | 281,000 | 299,000 | 286,000 | 322,000 |
| Securities available for sale | 5,576,000 | 5,134,000 | 6,071,000 | 6,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,992,000 | 24,704,000 | 24,470,000 | 26,129,000 |
| Interest-bearing deposits | 22,884,000 | 22,547,000 | 22,028,000 | 23,273,000 |
| Noninterest-bearing deposits | 2,108,000 | 2,157,000 | 2,442,000 | 2,856,000 |
| Equity capital | 2,939,000 | 3,073,000 | 3,228,000 | 3,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 940,000 | 1,421,000 | 1,905,000 |
| Interest expense | 195,000 | 383,000 | 562,000 | 734,000 |
| Net interest income | 278,000 | 557,000 | 859,000 | 1,171,000 |
| Noninterest income | 34,000 | 66,000 | 103,000 | 147,000 |
| Noninterest expense | 207,000 | 382,000 | 552,000 | 861,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 67,000 |
| Pretax income | 94,000 | 218,000 | 401,000 | 358,000 |
| Income tax | 32,000 | 76,000 | 142,000 | 90,000 |
| Net income | 62,000 | 142,000 | 259,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,908,000 | 2,988,000 | 3,105,000 | 3,084,000 |
| Total capital | 3,171,000 | 3,257,000 | 3,385,000 | 3,365,000 |
| Risk-weighted assets | 21,044,000 | 21,527,000 | 22,384,000 | 22,422,000 |