Call reports 2008
CITIZENS SAVINGS BANK — 2008
What CITIZENS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 48,864,000 | 49,437,000 | 48,966,000 | 51,128,000 |
| Total loans | 32,304,000 | 32,328,000 | 31,944,000 | 33,907,000 |
| Allowance for loan losses | 554,000 | 571,000 | 574,000 | 613,000 |
| Securities available for sale | 13,823,000 | 13,759,000 | 13,466,000 | 12,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,537,000 | 34,530,000 | 35,406,000 | 37,488,000 |
| Interest-bearing deposits | 30,829,000 | 29,921,000 | 30,641,000 | 30,676,000 |
| Noninterest-bearing deposits | 4,708,000 | 4,609,000 | 4,765,000 | 6,812,000 |
| Equity capital | 4,847,000 | 4,861,000 | 4,688,000 | 4,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,562,000 | 2,315,000 | 3,147,000 |
| Interest expense | 335,000 | 639,000 | 929,000 | 1,206,000 |
| Net interest income | 449,000 | 923,000 | 1,386,000 | 1,941,000 |
| Noninterest income | 32,000 | 62,000 | 115,000 | 190,000 |
| Noninterest expense | 248,000 | 513,000 | 809,000 | 1,276,000 |
| Provision for loan losses | 2,000 | 5,000 | 8,000 | 46,000 |
| Pretax income | 252,000 | 493,000 | 710,000 | 963,000 |
| Income tax | 64,000 | 119,000 | 164,000 | 206,000 |
| Net income | 188,000 | 374,000 | 546,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,059,000 | 5,245,000 | 5,417,000 | 5,538,000 |
| Total capital | 5,538,000 | 5,732,000 | 5,905,000 | 6,059,000 |
| Risk-weighted assets | 38,274,000 | 38,899,000 | 38,923,000 | 41,587,000 |