Call reports 2001
CITIZENS SAVINGS BANK — 2001
What CITIZENS SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 72,825,000 | 70,666,000 | 76,756,000 | 77,893,000 |
| Total loans | 40,324,000 | 40,329,000 | 40,563,000 | 39,433,000 |
| Allowance for loan losses | 621,000 | 645,000 | 645,000 | 653,000 |
| Securities available for sale | 25,965,000 | 26,047,000 | 32,310,000 | 34,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,283,000 | 64,128,000 | 68,966,000 | 71,108,000 |
| Interest-bearing deposits | 60,637,000 | 59,007,000 | 63,553,000 | 64,759,000 |
| Noninterest-bearing deposits | 5,646,000 | 5,121,000 | 5,413,000 | 6,349,000 |
| Equity capital | 6,027,000 | 6,063,000 | 6,436,000 | 6,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,308,000 | 2,568,000 | 3,840,000 | 5,100,000 |
| Interest expense | 628,000 | 1,231,000 | 1,790,000 | 2,301,000 |
| Net interest income | 680,000 | 1,337,000 | 2,050,000 | 2,799,000 |
| Noninterest income | 63,000 | 155,000 | 236,000 | 319,000 |
| Noninterest expense | 411,000 | 814,000 | 1,190,000 | 1,590,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 353,000 | 716,000 | 1,150,000 | 1,582,000 |
| Income tax | 18,000 | 36,000 | 58,000 | 79,000 |
| Net income | 335,000 | 680,000 | 1,092,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,436,000 | 5,488,000 | 5,605,000 | 5,658,000 |
| Total capital | 5,955,000 | 6,006,000 | 6,129,000 | 6,166,000 |
| Risk-weighted assets | 41,408,000 | 41,320,000 | 41,825,000 | 40,534,000 |