Call reports 2012
CITY SAVINGS BANK & TRUST COMPANY — 2012
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 224,661,000 | 228,351,000 | 233,043,000 | 245,417,000 |
| Total loans | 156,241,000 | 163,838,000 | 169,091,000 | 171,905,000 |
| Allowance for loan losses | 1,965,000 | 2,013,000 | 2,104,000 | 2,110,000 |
| Securities available for sale | 27,083,000 | 29,308,000 | 24,373,000 | 21,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,776,000 | 200,688,000 | 204,004,000 | 217,050,000 |
| Interest-bearing deposits | 143,229,000 | 146,676,000 | 149,174,000 | 162,263,000 |
| Noninterest-bearing deposits | 54,548,000 | 54,012,000 | 54,831,000 | 54,788,000 |
| Equity capital | 25,886,000 | 26,479,000 | 27,627,000 | 27,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,962,000 | 5,954,000 | 9,132,000 | 12,334,000 |
| Interest expense | 215,000 | 422,000 | 624,000 | 835,000 |
| Net interest income | 2,747,000 | 5,532,000 | 8,508,000 | 11,499,000 |
| Noninterest income | 514,000 | 1,085,000 | 1,652,000 | 2,156,000 |
| Noninterest expense | 1,910,000 | 3,990,000 | 6,008,000 | 8,188,000 |
| Provision for loan losses | 116,000 | 192,000 | 320,000 | 384,000 |
| Pretax income | 1,235,000 | 2,435,000 | 3,832,000 | 5,083,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,235,000 | 2,435,000 | 3,832,000 | 5,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,059,000 | 26,482,000 | 27,519,000 | 27,307,000 |
| Total capital | 27,981,000 | 28,491,000 | 29,583,000 | 29,398,000 |
| Risk-weighted assets | 153,692,000 | 160,745,000 | 165,095,000 | 167,279,000 |