Call reports 2013
CITY SAVINGS BANK & TRUST COMPANY — 2013
What CITY SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 247,265,000 | 250,605,000 | 261,661,000 | 276,083,000 |
| Total loans | 175,450,000 | 189,283,000 | 200,267,000 | 200,509,000 |
| Allowance for loan losses | 2,189,000 | 2,325,000 | 2,461,000 | 2,525,000 |
| Securities available for sale | 21,533,000 | 17,970,000 | 17,125,000 | 21,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,132,000 | 221,022,000 | 230,513,000 | 245,207,000 |
| Interest-bearing deposits | 159,905,000 | 159,440,000 | 169,449,000 | 181,121,000 |
| Noninterest-bearing deposits | 58,227,000 | 61,581,000 | 61,065,000 | 64,087,000 |
| Equity capital | 28,072,000 | 28,343,000 | 29,639,000 | 29,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,179,000 | 6,547,000 | 10,045,000 | 13,497,000 |
| Interest expense | 201,000 | 396,000 | 607,000 | 839,000 |
| Net interest income | 2,978,000 | 6,151,000 | 9,438,000 | 12,658,000 |
| Noninterest income | 507,000 | 1,088,000 | 1,616,000 | 2,100,000 |
| Noninterest expense | 2,103,000 | 4,366,000 | 6,496,000 | 8,658,000 |
| Provision for loan losses | 100,000 | 278,000 | 443,000 | 543,000 |
| Pretax income | 1,282,000 | 2,595,000 | 4,115,000 | 5,557,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,282,000 | 2,595,000 | 4,115,000 | 5,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,180,000 | 28,619,000 | 29,732,000 | 29,543,000 |
| Total capital | 30,271,000 | 30,852,000 | 32,094,000 | 31,909,000 |
| Risk-weighted assets | 167,179,000 | 178,516,000 | 188,835,000 | 189,158,000 |