Call reports 2009
CITIZENS SAVINGS BANK — 2009
What CITIZENS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,128,000 | 54,332,000 | 55,230,000 | 55,884,000 |
| Total loans | 34,906,000 | 34,446,000 | 34,497,000 | 35,631,000 |
| Allowance for loan losses | 620,000 | 626,000 | 633,000 | 640,000 |
| Securities available for sale | 12,046,000 | 13,792,000 | 15,754,000 | 16,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,678,000 | 40,563,000 | 40,789,000 | 40,819,000 |
| Interest-bearing deposits | 33,668,000 | 35,930,000 | 35,729,000 | 35,137,000 |
| Noninterest-bearing deposits | 5,010,000 | 4,633,000 | 5,060,000 | 5,682,000 |
| Equity capital | 4,711,000 | 5,037,000 | 5,713,000 | 5,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,541,000 | 2,319,000 | 3,096,000 |
| Interest expense | 271,000 | 549,000 | 825,000 | 1,090,000 |
| Net interest income | 490,000 | 992,000 | 1,494,000 | 2,006,000 |
| Noninterest income | 34,000 | 74,000 | 122,000 | 215,000 |
| Noninterest expense | 280,000 | 613,000 | 907,000 | 1,257,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 69,000 |
| Pretax income | 245,000 | 460,000 | 794,000 | 1,003,000 |
| Income tax | 53,000 | 94,000 | 182,000 | 219,000 |
| Net income | 192,000 | 366,000 | 612,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,730,000 | 5,903,000 | 6,149,000 | 6,254,000 |
| Total capital | 6,261,000 | 6,452,000 | 6,691,000 | 6,818,000 |
| Risk-weighted assets | 42,412,000 | 43,826,000 | 43,278,000 | 45,056,000 |