Call reports 2012
CITIZENS SAVINGS BANK — 2012
What CITIZENS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 233,307,000 | 229,490,000 | 227,890,000 | 218,861,000 |
| Total loans | 174,172,000 | 171,357,000 | 170,863,000 | 170,108,000 |
| Allowance for loan losses | 3,365,000 | 3,135,000 | 3,467,000 | 3,536,000 |
| Securities available for sale | 10,982,000 | 10,551,000 | 10,348,000 | 12,313,000 |
| Securities held to maturity | 885,000 | 1,858,000 | 2,085,000 | 3,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,540,000 | 192,447,000 | 190,191,000 | 184,862,000 |
| Interest-bearing deposits | 169,798,000 | 166,557,000 | 163,761,000 | 158,993,000 |
| Noninterest-bearing deposits | 25,742,000 | 25,890,000 | 26,430,000 | 25,869,000 |
| Equity capital | 22,404,000 | 22,950,000 | 23,496,000 | 23,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,248,000 | 6,529,000 | 9,675,000 | 12,805,000 |
| Interest expense | 659,000 | 1,273,000 | 1,850,000 | 2,402,000 |
| Net interest income | 2,589,000 | 5,256,000 | 7,825,000 | 10,403,000 |
| Noninterest income | 194,000 | 409,000 | 630,000 | 925,000 |
| Noninterest expense | 1,975,000 | 3,972,000 | 5,914,000 | 7,916,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 714,000 | 1,509,000 | 2,267,000 | 3,074,000 |
| Income tax | 219,000 | 514,000 | 772,000 | 1,046,000 |
| Net income | 495,000 | 995,000 | 1,495,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,338,000 | 22,838,000 | 23,339,000 | 23,871,000 |
| Total capital | 24,153,000 | 24,602,000 | 25,097,000 | 25,617,000 |
| Risk-weighted assets | 143,615,000 | 139,789,000 | 138,949,000 | 137,906,000 |