Call reports 2007
CITIZENS SAVINGS BANK — 2007
What CITIZENS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 182,241,000 | 184,990,000 | 193,276,000 | 192,078,000 |
| Total loans | 138,022,000 | 144,697,000 | 151,650,000 | 160,461,000 |
| Allowance for loan losses | 1,525,000 | 1,598,000 | 1,534,000 | 1,532,000 |
| Securities available for sale | 21,135,000 | 19,649,000 | 18,821,000 | 12,576,000 |
| Securities held to maturity | 2,247,000 | 2,162,000 | 2,073,000 | 1,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,473,000 | 160,027,000 | 159,870,000 | 155,403,000 |
| Interest-bearing deposits | 138,823,000 | 137,833,000 | 137,285,000 | 135,273,000 |
| Noninterest-bearing deposits | 21,650,000 | 22,194,000 | 22,585,000 | 20,130,000 |
| Equity capital | 15,719,000 | 15,946,000 | 16,391,000 | 16,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,121,000 | 6,277,000 | 9,505,000 | 12,840,000 |
| Interest expense | 1,241,000 | 2,586,000 | 4,030,000 | 5,529,000 |
| Net interest income | 1,880,000 | 3,691,000 | 5,475,000 | 7,311,000 |
| Noninterest income | 271,000 | 544,000 | 805,000 | 1,065,000 |
| Noninterest expense | 1,516,000 | 3,065,000 | 4,615,000 | 6,326,000 |
| Provision for loan losses | 8,000 | 86,000 | 86,000 | 86,000 |
| Pretax income | 627,000 | 1,084,000 | 1,580,000 | 1,964,000 |
| Income tax | 213,000 | 369,000 | 512,000 | 608,000 |
| Net income | 414,000 | 715,000 | 1,068,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,845,000 | 16,135,000 | 16,491,000 | 16,784,000 |
| Total capital | 17,335,000 | 17,653,000 | 18,025,000 | 18,316,000 |
| Risk-weighted assets | 119,133,000 | 121,366,000 | 127,398,000 | 132,303,000 |