Call reports 2007
CITIZENS SAVINGS BANK — 2007
What CITIZENS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 42,488,000 | 42,876,000 | 46,532,000 | 47,457,000 |
| Total loans | 31,305,000 | 31,842,000 | 33,136,000 | 31,211,000 |
| Allowance for loan losses | 541,000 | 542,000 | 542,000 | 542,000 |
| Securities available for sale | 9,161,000 | 9,111,000 | 10,276,000 | 12,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,819,000 | 34,940,000 | 37,573,000 | 38,161,000 |
| Interest-bearing deposits | 28,425,000 | 30,918,000 | 32,832,000 | 32,838,000 |
| Noninterest-bearing deposits | 4,394,000 | 4,022,000 | 4,741,000 | 5,323,000 |
| Equity capital | 4,508,000 | 4,531,000 | 4,701,000 | 4,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,366,000 | 2,100,000 | 2,854,000 |
| Interest expense | 311,000 | 651,000 | 1,010,000 | 1,373,000 |
| Net interest income | 351,000 | 715,000 | 1,090,000 | 1,481,000 |
| Noninterest income | 31,000 | 65,000 | 107,000 | 173,000 |
| Noninterest expense | 226,000 | 464,000 | 701,000 | 1,045,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 156,000 | 312,000 | 490,000 | 603,000 |
| Income tax | 36,000 | 72,000 | 115,000 | 114,000 |
| Net income | 120,000 | 240,000 | 375,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,554,000 | 4,674,000 | 4,809,000 | 4,871,000 |
| Total capital | 4,990,000 | 5,120,000 | 5,278,000 | 5,326,000 |
| Risk-weighted assets | 34,812,000 | 35,595,000 | 37,485,000 | 36,349,000 |