Call reports 2003
CITIZENS SAVINGS BANK — 2003
What CITIZENS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 31,176,000 | 32,656,000 | 32,988,000 | 32,932,000 |
| Total loans | 19,546,000 | 23,113,000 | 24,195,000 | 24,405,000 |
| Allowance for loan losses | 336,000 | 356,000 | 370,000 | 385,000 |
| Securities available for sale | 6,422,000 | 6,601,000 | 6,241,000 | 5,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,731,000 | 28,076,000 | 27,346,000 | 28,334,000 |
| Interest-bearing deposits | 24,133,000 | 25,067,000 | 24,361,000 | 24,764,000 |
| Noninterest-bearing deposits | 2,598,000 | 3,009,000 | 2,985,000 | 3,570,000 |
| Equity capital | 3,300,000 | 3,432,000 | 3,510,000 | 3,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 445,000 | 924,000 | 1,422,000 | 1,924,000 |
| Interest expense | 155,000 | 307,000 | 448,000 | 578,000 |
| Net interest income | 290,000 | 617,000 | 974,000 | 1,346,000 |
| Noninterest income | 29,000 | 75,000 | 112,000 | 138,000 |
| Noninterest expense | 207,000 | 409,000 | 603,000 | 975,000 |
| Provision for loan losses | 13,000 | 27,000 | 40,000 | 54,000 |
| Pretax income | 100,000 | 257,000 | 444,000 | 456,000 |
| Income tax | 28,000 | 80,000 | 145,000 | 142,000 |
| Net income | 72,000 | 177,000 | 299,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,156,000 | 3,261,000 | 3,384,000 | 3,369,000 |
| Total capital | 3,437,000 | 3,582,000 | 3,722,000 | 3,702,000 |
| Risk-weighted assets | 22,445,000 | 25,673,000 | 27,037,000 | 26,602,000 |