Call reports 2011
CITIZENS SAVINGS BANK — 2011
What CITIZENS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 237,529,000 | 237,605,000 | 230,610,000 | 229,292,000 |
| Total loans | 184,519,000 | 183,257,000 | 179,162,000 | 179,157,000 |
| Allowance for loan losses | 3,563,000 | 3,505,000 | 3,353,000 | 3,286,000 |
| Securities available for sale | 5,798,000 | 7,458,000 | 7,120,000 | 8,354,000 |
| Securities held to maturity | 892,000 | 890,000 | 888,000 | 886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,022,000 | 203,554,000 | 195,649,000 | 192,154,000 |
| Interest-bearing deposits | 181,683,000 | 178,870,000 | 172,246,000 | 169,822,000 |
| Noninterest-bearing deposits | 22,339,000 | 24,684,000 | 23,403,000 | 22,332,000 |
| Equity capital | 20,188,000 | 20,730,000 | 21,430,000 | 21,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,483,000 | 6,964,000 | 10,423,000 | 13,766,000 |
| Interest expense | 914,000 | 1,773,000 | 2,519,000 | 3,229,000 |
| Net interest income | 2,569,000 | 5,191,000 | 7,904,000 | 10,537,000 |
| Noninterest income | 198,000 | 450,000 | 732,000 | 941,000 |
| Noninterest expense | 2,085,000 | 4,186,000 | 6,162,000 | 8,260,000 |
| Provision for loan losses | 110,000 | 140,000 | 140,000 | 140,000 |
| Pretax income | 572,000 | 1,315,000 | 2,334,000 | 3,064,000 |
| Income tax | 171,000 | 424,000 | 769,000 | 1,018,000 |
| Net income | 401,000 | 891,000 | 1,565,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,193,000 | 20,687,000 | 21,360,000 | 21,843,000 |
| Total capital | 22,147,000 | 22,608,000 | 23,222,000 | 23,680,000 |
| Risk-weighted assets | 154,723,000 | 152,106,000 | 147,480,000 | 145,480,000 |