Call reports 2003
CITIZENS SAVINGS BANK — 2003
What CITIZENS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 135,317,000 | 139,000,000 | 140,158,000 | 140,305,000 |
| Total loans | 101,446,000 | 98,337,000 | 98,895,000 | 96,064,000 |
| Allowance for loan losses | 1,025,000 | 1,060,000 | 950,000 | 955,000 |
| Securities available for sale | 2,478,000 | 2,479,000 | 2,465,000 | 2,461,000 |
| Securities held to maturity | 172,000 | 158,000 | 146,000 | 136,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,447,000 | 125,838,000 | 126,721,000 | 127,119,000 |
| Interest-bearing deposits | 113,369,000 | 115,771,000 | 116,542,000 | 115,369,000 |
| Noninterest-bearing deposits | 9,078,000 | 10,067,000 | 10,179,000 | 11,750,000 |
| Equity capital | 12,050,000 | 12,368,000 | 12,587,000 | 12,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,159,000 | 4,320,000 | 6,361,000 | 8,368,000 |
| Interest expense | 886,000 | 1,722,000 | 2,520,000 | 3,285,000 |
| Net interest income | 1,273,000 | 2,598,000 | 3,841,000 | 5,083,000 |
| Noninterest income | 228,000 | 473,000 | 710,000 | 930,000 |
| Noninterest expense | 1,014,000 | 2,095,000 | 3,163,000 | 4,343,000 |
| Provision for loan losses | 44,000 | 58,000 | 121,000 | 186,000 |
| Pretax income | 443,000 | 918,000 | 1,267,000 | 1,484,000 |
| Income tax | 150,000 | 307,000 | 428,000 | 500,000 |
| Net income | 293,000 | 611,000 | 839,000 | 984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,050,000 | 12,368,000 | 12,587,000 | 12,729,000 |
| Total capital | 13,075,000 | 13,409,000 | 13,537,000 | 13,684,000 |
| Risk-weighted assets | 84,454,000 | 83,275,000 | 84,484,000 | 83,253,000 |