Call reports 2004
CITIZENS SAVINGS BANK — 2004
What CITIZENS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,423,000 | 34,229,000 | 35,509,000 | 36,437,000 |
| Total loans | 25,442,000 | 25,535,000 | 26,027,000 | 25,148,000 |
| Allowance for loan losses | 399,000 | 413,000 | 427,000 | 441,000 |
| Securities available for sale | 5,394,000 | 6,600,000 | 6,931,000 | 7,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,720,000 | 27,535,000 | 28,515,000 | 29,543,000 |
| Interest-bearing deposits | 24,077,000 | 24,582,000 | 24,797,000 | 24,767,000 |
| Noninterest-bearing deposits | 3,643,000 | 2,953,000 | 3,718,000 | 4,776,000 |
| Equity capital | 3,574,000 | 3,631,000 | 3,828,000 | 3,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 969,000 | 1,491,000 | 2,010,000 |
| Interest expense | 126,000 | 254,000 | 389,000 | 530,000 |
| Net interest income | 337,000 | 715,000 | 1,102,000 | 1,480,000 |
| Noninterest income | 33,000 | 65,000 | 101,000 | 134,000 |
| Noninterest expense | 224,000 | 417,000 | 629,000 | 1,035,000 |
| Provision for loan losses | 14,000 | 27,000 | 40,000 | 54,000 |
| Pretax income | 145,000 | 355,000 | 557,000 | 544,000 |
| Income tax | 47,000 | 120,000 | 188,000 | 170,000 |
| Net income | 98,000 | 235,000 | 369,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,467,000 | 3,604,000 | 3,737,000 | 3,713,000 |
| Total capital | 3,802,000 | 3,944,000 | 4,083,000 | 4,058,000 |
| Risk-weighted assets | 26,759,000 | 27,119,000 | 27,633,000 | 27,466,000 |