Call reports 2002
CITIZENS SAVINGS BANK — 2002
What CITIZENS SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 131,419,000 | 130,865,000 | 133,600,000 | 134,375,000 |
| Total loans | 103,719,000 | 103,880,000 | 104,519,000 | 103,360,000 |
| Allowance for loan losses | 870,000 | 900,000 | 975,000 | 1,000,000 |
| Securities available for sale | 2,461,000 | 2,470,000 | 2,482,000 | 2,480,000 |
| Securities held to maturity | 224,000 | 214,000 | 197,000 | 184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,633,000 | 118,904,000 | 121,247,000 | 122,135,000 |
| Interest-bearing deposits | 110,349,000 | 109,615,000 | 111,561,000 | 112,724,000 |
| Noninterest-bearing deposits | 9,284,000 | 9,289,000 | 9,686,000 | 9,411,000 |
| Equity capital | 11,070,000 | 11,292,000 | 11,579,000 | 11,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,252,000 | 4,542,000 | 6,828,000 | 9,040,000 |
| Interest expense | 1,155,000 | 2,220,000 | 3,266,000 | 4,280,000 |
| Net interest income | 1,097,000 | 2,322,000 | 3,562,000 | 4,760,000 |
| Noninterest income | 209,000 | 436,000 | 694,000 | 906,000 |
| Noninterest expense | 1,013,000 | 2,071,000 | 3,067,000 | 4,142,000 |
| Provision for loan losses | 13,000 | 79,000 | 165,000 | 216,000 |
| Pretax income | 280,000 | 608,000 | 1,024,000 | 1,308,000 |
| Income tax | 94,000 | 206,000 | 343,000 | 447,000 |
| Net income | 186,000 | 402,000 | 681,000 | 861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,070,000 | 11,292,000 | 11,579,000 | 11,758,000 |
| Total capital | 11,940,000 | 12,192,000 | 12,554,000 | 12,758,000 |
| Risk-weighted assets | 84,237,000 | 83,807,000 | 85,241,000 | 85,003,000 |