Call reports 2007
CITY SAVINGS BANK & TRUST COMPANY — 2007
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 161,752,000 | 155,931,000 | 155,972,000 | 158,453,000 |
| Total loans | 102,299,000 | 108,036,000 | 109,753,000 | 110,347,000 |
| Allowance for loan losses | 1,356,000 | 1,368,000 | 1,370,000 | 1,292,000 |
| Securities available for sale | 10,517,000 | 10,023,000 | 9,598,000 | 15,968,000 |
| Securities held to maturity | 14,242,000 | 13,983,000 | 13,287,000 | 12,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,052,000 | 138,184,000 | 137,374,000 | 139,788,000 |
| Interest-bearing deposits | 104,786,000 | 99,875,000 | 98,338,000 | 100,401,000 |
| Noninterest-bearing deposits | 40,266,000 | 38,309,000 | 39,036,000 | 39,387,000 |
| Equity capital | 16,048,000 | 16,968,000 | 17,666,000 | 17,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,565,000 | 5,188,000 | 7,880,000 | 10,569,000 |
| Interest expense | 671,000 | 1,381,000 | 2,058,000 | 2,703,000 |
| Net interest income | 1,894,000 | 3,807,000 | 5,822,000 | 7,866,000 |
| Noninterest income | 552,000 | 1,151,000 | 1,765,000 | 2,303,000 |
| Noninterest expense | 1,615,000 | 3,226,000 | 4,867,000 | 6,522,000 |
| Provision for loan losses | 10,000 | 30,000 | 65,000 | 85,000 |
| Pretax income | 821,000 | 1,702,000 | 2,655,000 | 3,562,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 821,000 | 1,702,000 | 2,655,000 | 3,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,166,000 | 17,081,000 | 17,706,000 | 17,647,000 |
| Total capital | 17,487,000 | 18,436,000 | 19,076,000 | 18,939,000 |
| Risk-weighted assets | 105,622,000 | 108,368,000 | 109,696,000 | 109,239,000 |