Call reports 2010
CITY SAVINGS BANK & TRUST COMPANY — 2010
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 220,489,000 | 183,685,000 | 184,729,000 | 186,884,000 |
| Total loans | 134,549,000 | 135,588,000 | 140,968,000 | 144,214,000 |
| Allowance for loan losses | 1,347,000 | 1,476,000 | 1,613,000 | 1,665,000 |
| Securities available for sale | 20,512,000 | 19,212,000 | 16,931,000 | 16,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,885,000 | 160,504,000 | 160,536,000 | 163,267,000 |
| Interest-bearing deposits | 153,806,000 | 119,580,000 | 117,798,000 | 120,139,000 |
| Noninterest-bearing deposits | 44,079,000 | 40,924,000 | 42,738,000 | 43,128,000 |
| Equity capital | 21,369,000 | 21,722,000 | 22,543,000 | 22,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,635,000 | 5,407,000 | 8,278,000 | 11,141,000 |
| Interest expense | 335,000 | 645,000 | 926,000 | 1,185,000 |
| Net interest income | 2,300,000 | 4,762,000 | 7,352,000 | 9,956,000 |
| Noninterest income | 532,000 | 1,094,000 | 1,630,000 | 2,114,000 |
| Noninterest expense | 1,696,000 | 3,494,000 | 5,362,000 | 7,159,000 |
| Provision for loan losses | 150,000 | 300,000 | 475,000 | 625,000 |
| Pretax income | 986,000 | 2,062,000 | 3,145,000 | 4,286,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 986,000 | 2,062,000 | 3,145,000 | 4,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,184,000 | 21,638,000 | 22,432,000 | 22,706,000 |
| Total capital | 22,531,000 | 23,114,000 | 24,045,000 | 24,371,000 |
| Risk-weighted assets | 139,612,000 | 131,471,000 | 135,367,000 | 137,585,000 |