Call reports 2012
CITIZENS SAVINGS BANK — 2012
What CITIZENS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 75,190,000 | 77,106,000 | 79,685,000 | 85,627,000 |
| Total loans | 35,756,000 | 35,410,000 | 36,472,000 | 40,032,000 |
| Allowance for loan losses | 628,000 | 635,000 | 641,000 | 654,000 |
| Securities available for sale | 32,540,000 | 38,929,000 | 40,289,000 | 39,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,790,000 | 60,985,000 | 62,822,000 | 64,917,000 |
| Interest-bearing deposits | 53,652,000 | 54,569,000 | 56,441,000 | 56,560,000 |
| Noninterest-bearing deposits | 6,138,000 | 6,416,000 | 6,381,000 | 8,357,000 |
| Equity capital | 8,951,000 | 9,434,000 | 10,105,000 | 10,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,817,000 | 2,696,000 | 3,583,000 |
| Interest expense | 218,000 | 434,000 | 650,000 | 862,000 |
| Net interest income | 739,000 | 1,383,000 | 2,046,000 | 2,721,000 |
| Noninterest income | 48,000 | 95,000 | 141,000 | 197,000 |
| Noninterest expense | 299,000 | 606,000 | 929,000 | 1,343,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 528,000 | 907,000 | 1,286,000 | 1,513,000 |
| Income tax | 149,000 | 234,000 | 312,000 | 300,000 |
| Net income | 379,000 | 673,000 | 974,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,383,000 | 8,677,000 | 8,978,000 | 9,127,000 |
| Total capital | 9,011,000 | 9,312,000 | 9,619,000 | 9,781,000 |
| Risk-weighted assets | 52,349,000 | 55,475,000 | 56,319,000 | 60,072,000 |