Call reports 2004
CITIZENS SAVINGS BANK — 2004
What CITIZENS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 143,829,000 | 145,219,000 | 146,279,000 | 145,421,000 |
| Total loans | 95,429,000 | 97,934,000 | 99,911,000 | 102,088,000 |
| Allowance for loan losses | 935,000 | 870,000 | 875,000 | 908,000 |
| Securities available for sale | 2,466,000 | 2,439,000 | 7,206,000 | 9,083,000 |
| Securities held to maturity | 130,000 | 123,000 | 100,000 | 96,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,220,000 | 131,422,000 | 132,161,000 | 131,534,000 |
| Interest-bearing deposits | 118,925,000 | 119,688,000 | 120,756,000 | 119,664,000 |
| Noninterest-bearing deposits | 11,295,000 | 11,734,000 | 11,405,000 | 11,870,000 |
| Equity capital | 12,886,000 | 13,025,000 | 13,220,000 | 13,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,923,000 | 3,902,000 | 5,907,000 | 7,999,000 |
| Interest expense | 748,000 | 1,502,000 | 2,246,000 | 3,005,000 |
| Net interest income | 1,175,000 | 2,400,000 | 3,661,000 | 4,994,000 |
| Noninterest income | 222,000 | 436,000 | 705,000 | 954,000 |
| Noninterest expense | 1,143,000 | 2,336,000 | 3,562,000 | 4,757,000 |
| Provision for loan losses | 21,000 | 31,000 | 47,000 | 109,000 |
| Pretax income | 233,000 | 469,000 | 757,000 | 1,082,000 |
| Income tax | 79,000 | 159,000 | 257,000 | 354,000 |
| Net income | 154,000 | 310,000 | 500,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,886,000 | 13,025,000 | 13,220,000 | 13,442,000 |
| Total capital | 13,821,000 | 13,895,000 | 14,095,000 | 14,350,000 |
| Risk-weighted assets | 81,418,000 | 83,448,000 | 84,765,000 | 86,455,000 |