Call reports 2005
CITIZENS SAVINGS BANK — 2005
What CITIZENS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,440,000 | 151,548,000 | 160,782,000 | 176,820,000 |
| Total loans | 105,066,000 | 110,890,000 | 114,343,000 | 112,282,000 |
| Allowance for loan losses | 1,221,000 | 1,535,000 | 1,505,000 | 1,530,000 |
| Securities available for sale | 9,346,000 | 8,189,000 | 13,596,000 | 22,492,000 |
| Securities held to maturity | 90,000 | 87,000 | 83,000 | 937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,061,000 | 136,857,000 | 145,897,000 | 162,040,000 |
| Interest-bearing deposits | 115,607,000 | 122,660,000 | 126,334,000 | 139,591,000 |
| Noninterest-bearing deposits | 19,454,000 | 14,197,000 | 19,563,000 | 22,449,000 |
| Equity capital | 13,594,000 | 13,818,000 | 13,976,000 | 14,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,390,000 | 6,691,000 | 9,217,000 |
| Interest expense | 762,000 | 1,594,000 | 2,468,000 | 3,404,000 |
| Net interest income | 1,372,000 | 2,796,000 | 4,223,000 | 5,813,000 |
| Noninterest income | 240,000 | 888,000 | 1,113,000 | 1,333,000 |
| Noninterest expense | 1,271,000 | 2,677,000 | 4,037,000 | 5,364,000 |
| Provision for loan losses | 21,000 | 376,000 | 364,000 | 398,000 |
| Pretax income | 320,000 | 631,000 | 935,000 | 1,384,000 |
| Income tax | 108,000 | 215,000 | 318,000 | 466,000 |
| Net income | 212,000 | 416,000 | 617,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,647,000 | 13,848,000 | 14,039,000 | 14,336,000 |
| Total capital | 14,773,000 | 15,036,000 | 15,284,000 | 15,623,000 |
| Risk-weighted assets | 90,017,000 | 94,657,000 | 99,329,000 | 102,723,000 |