Call reports 2005
CITIZENS SAVINGS BANK — 2005
What CITIZENS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,741,000 | 36,816,000 | 37,546,000 | 38,094,000 |
| Total loans | 25,499,000 | 25,837,000 | 26,804,000 | 26,695,000 |
| Allowance for loan losses | 469,000 | 483,000 | 497,000 | 511,000 |
| Securities available for sale | 7,573,000 | 7,952,000 | 8,102,000 | 8,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,775,000 | 29,176,000 | 28,757,000 | 29,732,000 |
| Interest-bearing deposits | 25,057,000 | 25,132,000 | 24,951,000 | 25,001,000 |
| Noninterest-bearing deposits | 3,718,000 | 4,044,000 | 3,806,000 | 4,731,000 |
| Equity capital | 3,804,000 | 3,986,000 | 4,072,000 | 4,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 509,000 | 1,029,000 | 1,563,000 | 2,110,000 |
| Interest expense | 143,000 | 298,000 | 470,000 | 660,000 |
| Net interest income | 366,000 | 731,000 | 1,093,000 | 1,450,000 |
| Noninterest income | 40,000 | 79,000 | 128,000 | 206,000 |
| Noninterest expense | 207,000 | 417,000 | 637,000 | 1,000,000 |
| Provision for loan losses | 13,000 | 27,000 | 40,000 | 54,000 |
| Pretax income | 186,000 | 366,000 | 544,000 | 602,000 |
| Income tax | 60,000 | 118,000 | 175,000 | 179,000 |
| Net income | 126,000 | 248,000 | 369,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,839,000 | 3,962,000 | 4,082,000 | 4,130,000 |
| Total capital | 4,182,000 | 4,316,000 | 4,449,000 | 4,504,000 |
| Risk-weighted assets | 27,338,000 | 28,166,000 | 29,197,000 | 29,778,000 |