Call reports 2009
CITY SAVINGS BANK & TRUST COMPANY — 2009
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 167,164,000 | 168,866,000 | 173,133,000 | 186,383,000 |
| Total loans | 121,520,000 | 127,446,000 | 130,212,000 | 132,194,000 |
| Allowance for loan losses | 1,095,000 | 1,154,000 | 1,242,000 | 1,268,000 |
| Securities available for sale | 27,345,000 | 24,848,000 | 25,087,000 | 22,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,498,000 | 147,777,000 | 151,306,000 | 164,482,000 |
| Interest-bearing deposits | 102,348,000 | 105,723,000 | 109,341,000 | 117,632,000 |
| Noninterest-bearing deposits | 44,150,000 | 42,054,000 | 41,965,000 | 46,850,000 |
| Equity capital | 20,165,000 | 20,262,000 | 21,115,000 | 21,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,560,000 | 5,199,000 | 7,976,000 | 10,763,000 |
| Interest expense | 369,000 | 725,000 | 1,068,000 | 1,398,000 |
| Net interest income | 2,191,000 | 4,474,000 | 6,908,000 | 9,365,000 |
| Noninterest income | 484,000 | 1,009,000 | 1,574,000 | 2,111,000 |
| Noninterest expense | 1,760,000 | 3,535,000 | 5,390,000 | 7,107,000 |
| Provision for loan losses | 25,000 | 120,000 | 270,000 | 438,000 |
| Pretax income | 890,000 | 1,828,000 | 2,822,000 | 3,931,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 890,000 | 1,828,000 | 2,822,000 | 3,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,126,000 | 20,151,000 | 20,856,000 | 21,164,000 |
| Total capital | 21,221,000 | 21,305,000 | 22,098,000 | 22,432,000 |
| Risk-weighted assets | 118,387,000 | 121,840,000 | 123,418,000 | 127,526,000 |