Call reports 2010
CITIZENS SAVINGS BANK — 2010
What CITIZENS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 54,926,000 | 56,434,000 | 58,414,000 | 60,273,000 |
| Total loans | 35,391,000 | 34,162,000 | 34,219,000 | 36,525,000 |
| Allowance for loan losses | 646,000 | 637,000 | 642,000 | 649,000 |
| Securities available for sale | 16,223,000 | 17,789,000 | 19,599,000 | 21,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,676,000 | 41,867,000 | 43,156,000 | 45,425,000 |
| Interest-bearing deposits | 35,674,000 | 36,894,000 | 38,036,000 | 38,740,000 |
| Noninterest-bearing deposits | 5,002,000 | 4,973,000 | 5,120,000 | 6,685,000 |
| Equity capital | 6,045,000 | 6,383,000 | 7,008,000 | 6,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,523,000 | 2,302,000 | 3,078,000 |
| Interest expense | 247,000 | 490,000 | 732,000 | 968,000 |
| Net interest income | 519,000 | 1,033,000 | 1,570,000 | 2,110,000 |
| Noninterest income | 38,000 | 87,000 | 153,000 | 218,000 |
| Noninterest expense | 269,000 | 559,000 | 834,000 | 1,178,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 284,000 | 550,000 | 890,000 | 1,028,000 |
| Income tax | 64,000 | 122,000 | 214,000 | 206,000 |
| Net income | 220,000 | 428,000 | 676,000 | 822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,475,000 | 6,682,000 | 6,930,000 | 7,001,000 |
| Total capital | 7,038,000 | 7,248,000 | 7,502,000 | 7,597,000 |
| Risk-weighted assets | 44,957,000 | 45,238,000 | 45,693,000 | 47,602,000 |