Call reports 2006
CITY SAVINGS BANK & TRUST COMPANY — 2006
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 147,318,000 | 145,155,000 | 144,280,000 | 164,315,000 |
| Total loans | 91,542,000 | 96,724,000 | 101,590,000 | 104,987,000 |
| Allowance for loan losses | 1,256,000 | 1,329,000 | 1,427,000 | 1,359,000 |
| Securities available for sale | 12,338,000 | 12,275,000 | 11,928,000 | 11,970,000 |
| Securities held to maturity | 15,071,000 | 14,942,000 | 14,541,000 | 14,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,029,000 | 129,770,000 | 128,027,000 | 149,007,000 |
| Interest-bearing deposits | 91,438,000 | 90,373,000 | 90,016,000 | 106,196,000 |
| Noninterest-bearing deposits | 40,591,000 | 39,397,000 | 38,011,000 | 42,811,000 |
| Equity capital | 14,747,000 | 14,700,000 | 15,436,000 | 14,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,162,000 | 4,429,000 | 6,788,000 | 9,260,000 |
| Interest expense | 382,000 | 791,000 | 1,222,000 | 1,743,000 |
| Net interest income | 1,780,000 | 3,638,000 | 5,566,000 | 7,517,000 |
| Noninterest income | 545,000 | 1,106,000 | 1,654,000 | 2,140,000 |
| Noninterest expense | 1,450,000 | 3,072,000 | 4,597,000 | 6,178,000 |
| Provision for loan losses | 45,000 | 102,000 | 177,000 | 157,000 |
| Pretax income | 830,000 | 1,570,000 | 2,446,000 | 3,322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 830,000 | 1,570,000 | 2,446,000 | 3,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,037,000 | 15,054,000 | 15,639,000 | 14,749,000 |
| Total capital | 16,249,000 | 16,305,000 | 16,936,000 | 16,108,000 |
| Risk-weighted assets | 96,892,000 | 100,019,000 | 103,626,000 | 110,362,000 |