Call reports 2009
CITIZENS SAVINGS BANK — 2009
What CITIZENS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 223,573,000 | 228,015,000 | 239,227,000 | 235,533,000 |
| Total loans | 188,460,000 | 193,861,000 | 199,316,000 | 198,822,000 |
| Allowance for loan losses | 1,866,000 | 1,952,000 | 2,186,000 | 3,021,000 |
| Securities available for sale | 6,065,000 | 6,943,000 | 9,564,000 | 9,384,000 |
| Securities held to maturity | 3,906,000 | 3,904,000 | 3,902,000 | 900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,019,000 | 199,571,000 | 211,333,000 | 205,682,000 |
| Interest-bearing deposits | 172,757,000 | 178,872,000 | 190,808,000 | 186,435,000 |
| Noninterest-bearing deposits | 22,262,000 | 20,699,000 | 20,525,000 | 19,247,000 |
| Equity capital | 17,329,000 | 17,578,000 | 18,431,000 | 18,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,539,000 | 7,212,000 | 11,083,000 | 14,826,000 |
| Interest expense | 1,392,000 | 2,766,000 | 4,102,000 | 5,388,000 |
| Net interest income | 2,147,000 | 4,446,000 | 6,981,000 | 9,438,000 |
| Noninterest income | 291,000 | 588,000 | 931,000 | 1,251,000 |
| Noninterest expense | 1,928,000 | 3,983,000 | 5,557,000 | 7,408,000 |
| Provision for loan losses | 899,000 | 1,050,000 | 1,291,000 | 2,532,000 |
| Pretax income | -389,000 | 1,000 | 1,064,000 | 749,000 |
| Income tax | -132,000 | 1,000 | 362,000 | 205,000 |
| Net income | -257,000 | 0 | 702,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,329,000 | 17,586,000 | 18,338,000 | 18,174,000 |
| Total capital | 19,195,000 | 19,538,000 | 20,412,000 | 20,249,000 |
| Risk-weighted assets | 155,444,000 | 159,716,000 | 165,801,000 | 165,031,000 |