Call reports 2002
CITY SAVINGS BANK & TRUST COMPANY — 2002
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 92,193,000 | 95,667,000 | 98,207,000 | 106,749,000 |
| Total loans | 54,239,000 | 55,707,000 | 56,707,000 | 58,289,000 |
| Allowance for loan losses | 992,000 | 1,022,000 | 1,024,000 | 1,031,000 |
| Securities available for sale | 9,491,000 | 8,657,000 | 12,222,000 | 11,773,000 |
| Securities held to maturity | 16,562,000 | 17,179,000 | 19,834,000 | 19,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,565,000 | 84,962,000 | 86,992,000 | 95,174,000 |
| Interest-bearing deposits | 62,484,000 | 65,600,000 | 68,005,000 | 74,812,000 |
| Noninterest-bearing deposits | 19,081,000 | 19,362,000 | 18,987,000 | 20,362,000 |
| Equity capital | 10,311,000 | 10,393,000 | 10,806,000 | 11,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,575,000 | 3,127,000 | 4,732,000 | 6,367,000 |
| Interest expense | 439,000 | 862,000 | 1,283,000 | 1,670,000 |
| Net interest income | 1,136,000 | 2,265,000 | 3,449,000 | 4,697,000 |
| Noninterest income | 308,000 | 632,000 | 1,074,000 | 1,453,000 |
| Noninterest expense | 850,000 | 1,728,000 | 2,746,000 | 3,866,000 |
| Provision for loan losses | 50,000 | 92,000 | 132,000 | 170,000 |
| Pretax income | 544,000 | 1,077,000 | 1,645,000 | 2,114,000 |
| Income tax | 9,000 | 26,000 | 35,000 | 43,000 |
| Net income | 535,000 | 1,051,000 | 1,610,000 | 2,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,298,000 | 10,225,000 | 10,572,000 | 11,056,000 |
| Total capital | 11,026,000 | 10,982,000 | 11,356,000 | 11,879,000 |
| Risk-weighted assets | 57,960,000 | 60,325,000 | 62,476,000 | 65,579,000 |