Call reports 2011
CITIZENS SAVINGS BANK — 2011
What CITIZENS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 61,648,000 | 66,562,000 | 69,451,000 | 73,914,000 |
| Total loans | 36,733,000 | 33,629,000 | 34,523,000 | 36,758,000 |
| Allowance for loan losses | 655,000 | 662,000 | 616,000 | 622,000 |
| Securities available for sale | 22,355,000 | 26,294,000 | 32,048,000 | 31,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,513,000 | 51,593,000 | 51,833,000 | 58,446,000 |
| Interest-bearing deposits | 41,749,000 | 45,840,000 | 46,771,000 | 50,622,000 |
| Noninterest-bearing deposits | 5,764,000 | 5,753,000 | 5,062,000 | 7,824,000 |
| Equity capital | 6,945,000 | 7,710,000 | 8,195,000 | 8,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 798,000 | 1,626,000 | 2,461,000 | 3,321,000 |
| Interest expense | 229,000 | 464,000 | 698,000 | 969,000 |
| Net interest income | 569,000 | 1,162,000 | 1,763,000 | 2,352,000 |
| Noninterest income | 28,000 | 76,000 | 126,000 | 182,000 |
| Noninterest expense | 300,000 | 598,000 | 891,000 | 1,307,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 312,000 | 673,000 | 1,045,000 | 1,289,000 |
| Income tax | 73,000 | 117,000 | 193,000 | 203,000 |
| Net income | 239,000 | 556,000 | 852,000 | 1,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,240,000 | 7,557,000 | 7,854,000 | 8,004,000 |
| Total capital | 7,847,000 | 8,144,000 | 8,470,000 | 8,626,000 |
| Risk-weighted assets | 48,479,000 | 46,851,000 | 50,156,000 | 53,272,000 |