Call reports 2005
CITY SAVINGS BANK & TRUST COMPANY — 2005
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 122,233,000 | 125,311,000 | 127,475,000 | 153,957,000 |
| Total loans | 80,933,000 | 85,584,000 | 88,282,000 | 91,287,000 |
| Allowance for loan losses | 1,055,000 | 1,170,000 | 1,221,000 | 1,216,000 |
| Securities available for sale | 10,239,000 | 10,357,000 | 10,273,000 | 17,339,000 |
| Securities held to maturity | 15,855,000 | 15,355,000 | 14,944,000 | 14,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,507,000 | 111,375,000 | 112,788,000 | 138,768,000 |
| Interest-bearing deposits | 80,155,000 | 80,923,000 | 80,144,000 | 97,162,000 |
| Noninterest-bearing deposits | 28,352,000 | 30,452,000 | 32,644,000 | 41,606,000 |
| Equity capital | 13,415,000 | 13,535,000 | 13,952,000 | 14,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,739,000 | 3,566,000 | 5,474,000 | 7,562,000 |
| Interest expense | 276,000 | 560,000 | 870,000 | 1,217,000 |
| Net interest income | 1,463,000 | 3,006,000 | 4,604,000 | 6,345,000 |
| Noninterest income | 484,000 | 987,000 | 1,499,000 | 1,922,000 |
| Noninterest expense | 1,238,000 | 2,488,000 | 3,813,000 | 5,228,000 |
| Provision for loan losses | 20,000 | 83,000 | 113,000 | 168,000 |
| Pretax income | 689,000 | 1,422,000 | 2,177,000 | 2,871,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 689,000 | 1,422,000 | 2,177,000 | 2,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,668,000 | 13,671,000 | 14,173,000 | 14,901,000 |
| Total capital | 14,723,000 | 14,776,000 | 15,304,000 | 16,117,000 |
| Risk-weighted assets | 84,805,000 | 88,328,000 | 90,354,000 | 98,965,000 |