Call reports 2008
CITIZENS SAVINGS BANK — 2008
What CITIZENS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 195,939,000 | 205,543,000 | 212,408,000 | 215,582,000 |
| Total loans | 173,930,000 | 177,010,000 | 179,573,000 | 183,740,000 |
| Allowance for loan losses | 1,465,000 | 1,569,000 | 1,655,000 | 1,693,000 |
| Securities available for sale | 6,495,000 | 5,008,000 | 4,434,000 | 3,643,000 |
| Securities held to maturity | 913,000 | 911,000 | 909,000 | 907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,940,000 | 165,646,000 | 167,233,000 | 177,758,000 |
| Interest-bearing deposits | 138,351,000 | 143,231,000 | 147,029,000 | 157,597,000 |
| Noninterest-bearing deposits | 20,589,000 | 22,415,000 | 20,204,000 | 20,161,000 |
| Equity capital | 17,142,000 | 17,250,000 | 17,440,000 | 17,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,397,000 | 6,874,000 | 10,437,000 | 13,997,000 |
| Interest expense | 1,466,000 | 2,902,000 | 4,321,000 | 5,784,000 |
| Net interest income | 1,931,000 | 3,972,000 | 6,116,000 | 8,213,000 |
| Noninterest income | 232,000 | 478,000 | 707,000 | 981,000 |
| Noninterest expense | 1,645,000 | 3,430,000 | 5,220,000 | 7,133,000 |
| Provision for loan losses | 7,000 | 164,000 | 259,000 | 319,000 |
| Pretax income | 550,000 | 895,000 | 1,383,000 | 1,781,000 |
| Income tax | 187,000 | 304,000 | 470,000 | 566,000 |
| Net income | 363,000 | 591,000 | 913,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,138,000 | 17,249,000 | 17,441,000 | 17,629,000 |
| Total capital | 18,603,000 | 18,818,000 | 19,096,000 | 19,322,000 |
| Risk-weighted assets | 139,632,000 | 144,823,000 | 149,366,000 | 154,206,000 |