Call reports 2004
CITY SAVINGS BANK & TRUST COMPANY — 2004
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 116,109,000 | 116,085,000 | 120,654,000 | 124,538,000 |
| Total loans | 73,355,000 | 76,146,000 | 77,685,000 | 77,822,000 |
| Allowance for loan losses | 1,215,000 | 1,231,000 | 1,253,000 | 1,258,000 |
| Securities available for sale | 8,554,000 | 12,315,000 | 9,959,000 | 9,909,000 |
| Securities held to maturity | 18,107,000 | 16,821,000 | 15,327,000 | 15,894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,255,000 | 103,339,000 | 107,204,000 | 110,650,000 |
| Interest-bearing deposits | 78,542,000 | 78,116,000 | 79,444,000 | 83,154,000 |
| Noninterest-bearing deposits | 24,713,000 | 25,223,000 | 27,760,000 | 27,496,000 |
| Equity capital | 12,600,000 | 12,361,000 | 12,971,000 | 13,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,675,000 | 3,345,000 | 5,068,000 | 6,811,000 |
| Interest expense | 275,000 | 543,000 | 811,000 | 1,088,000 |
| Net interest income | 1,400,000 | 2,802,000 | 4,257,000 | 5,723,000 |
| Noninterest income | 444,000 | 932,000 | 1,444,000 | 1,953,000 |
| Noninterest expense | 1,136,000 | 2,353,000 | 3,554,000 | 4,907,000 |
| Provision for loan losses | 44,000 | 81,000 | 130,000 | 159,000 |
| Pretax income | 664,000 | 1,300,000 | 2,017,000 | 2,610,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 664,000 | 1,300,000 | 2,017,000 | 2,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,546,000 | 12,546,000 | 13,009,000 | 13,626,000 |
| Total capital | 13,522,000 | 13,547,000 | 14,033,000 | 14,662,000 |
| Risk-weighted assets | 77,835,000 | 79,829,000 | 81,699,000 | 82,627,000 |