Call reports 2001
CITIZENS SAVINGS BANK — 2001
What CITIZENS SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 124,387,000 | 125,387,000 | 128,377,000 | 130,173,000 |
| Total loans | 105,270,000 | 105,235,000 | 104,639,000 | 105,307,000 |
| Allowance for loan losses | 1,000,000 | 1,081,000 | 851,000 | 877,000 |
| Securities available for sale | 2,459,000 | 2,451,000 | 2,471,000 | 2,469,000 |
| Securities held to maturity | 332,000 | 304,000 | 283,000 | 242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,464,000 | 112,641,000 | 117,071,000 | 118,817,000 |
| Interest-bearing deposits | 101,491,000 | 104,137,000 | 108,647,000 | 109,765,000 |
| Noninterest-bearing deposits | 7,973,000 | 8,504,000 | 8,424,000 | 9,052,000 |
| Equity capital | 10,352,000 | 10,555,000 | 10,668,000 | 10,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,590,000 | 5,105,000 | 7,516,000 | 9,929,000 |
| Interest expense | 1,526,000 | 2,924,000 | 4,286,000 | 5,566,000 |
| Net interest income | 1,064,000 | 2,181,000 | 3,230,000 | 4,363,000 |
| Noninterest income | 211,000 | 436,000 | 665,000 | 893,000 |
| Noninterest expense | 918,000 | 1,834,000 | 2,807,000 | 3,824,000 |
| Provision for loan losses | 34,000 | 144,000 | 299,000 | 312,000 |
| Pretax income | 323,000 | 639,000 | 789,000 | 1,120,000 |
| Income tax | 107,000 | 214,000 | 265,000 | 373,000 |
| Net income | 216,000 | 425,000 | 524,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,352,000 | 10,555,000 | 10,668,000 | 10,890,000 |
| Total capital | 11,352,000 | 11,602,000 | 11,519,000 | 11,767,000 |
| Risk-weighted assets | 82,942,000 | 83,717,000 | 84,203,000 | 84,794,000 |