Call reports 2010
CITIZENS SAVINGS BANK — 2010
What CITIZENS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 229,601,000 | 227,933,000 | 234,113,000 | 233,787,000 |
| Total loans | 193,531,000 | 191,125,000 | 191,543,000 | 187,407,000 |
| Allowance for loan losses | 3,235,000 | 3,140,000 | 3,406,000 | 3,449,000 |
| Securities available for sale | 4,050,000 | 3,467,000 | 2,908,000 | 3,791,000 |
| Securities held to maturity | 898,000 | 897,000 | 860,000 | 893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,403,000 | 197,373,000 | 200,710,000 | 201,010,000 |
| Interest-bearing deposits | 178,892,000 | 177,342,000 | 180,304,000 | 180,072,000 |
| Noninterest-bearing deposits | 20,511,000 | 20,031,000 | 20,406,000 | 20,938,000 |
| Equity capital | 18,612,000 | 18,956,000 | 19,161,000 | 19,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,655,000 | 7,239,000 | 10,763,000 | 14,356,000 |
| Interest expense | 1,021,000 | 1,997,000 | 2,971,000 | 3,958,000 |
| Net interest income | 2,634,000 | 5,242,000 | 7,792,000 | 10,398,000 |
| Noninterest income | 301,000 | 616,000 | 987,000 | 1,263,000 |
| Noninterest expense | 2,070,000 | 4,321,000 | 6,490,000 | 8,143,000 |
| Provision for loan losses | 210,000 | 405,000 | 857,000 | 1,097,000 |
| Pretax income | 680,000 | 1,157,000 | 1,457,000 | 1,792,000 |
| Income tax | 231,000 | 393,000 | 495,000 | 609,000 |
| Net income | 449,000 | 764,000 | 962,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,617,000 | 18,951,000 | 19,161,000 | 19,797,000 |
| Total capital | 20,645,000 | 20,963,000 | 21,172,000 | 21,738,000 |
| Risk-weighted assets | 161,060,000 | 159,852,000 | 159,471,000 | 153,754,000 |