Call reports 2002
CITIZENS SAVINGS BANK — 2002
What CITIZENS SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,456,000 | 80,652,000 | 82,509,000 | 86,934,000 |
| Total loans | 39,688,000 | 39,578,000 | 40,261,000 | 38,179,000 |
| Allowance for loan losses | 653,000 | 653,000 | 651,000 | 588,000 |
| Securities available for sale | 37,399,000 | 36,602,000 | 36,067,000 | 39,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,940,000 | 72,684,000 | 75,045,000 | 79,557,000 |
| Interest-bearing deposits | 70,783,000 | 66,816,000 | 68,594,000 | 73,120,000 |
| Noninterest-bearing deposits | 6,157,000 | 5,868,000 | 6,451,000 | 6,437,000 |
| Equity capital | 6,037,000 | 6,590,000 | 6,930,000 | 6,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,201,000 | 2,427,000 | 3,619,000 | 4,750,000 |
| Interest expense | 469,000 | 937,000 | 1,382,000 | 1,804,000 |
| Net interest income | 732,000 | 1,490,000 | 2,237,000 | 2,946,000 |
| Noninterest income | 79,000 | 165,000 | 263,000 | 372,000 |
| Noninterest expense | 396,000 | 801,000 | 1,206,000 | 1,590,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 473,000 | 912,000 | 1,352,000 | 1,772,000 |
| Income tax | 22,000 | 45,000 | 67,000 | 89,000 |
| Net income | 451,000 | 867,000 | 1,285,000 | 1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,773,000 | 5,792,000 | 5,850,000 | 5,893,000 |
| Total capital | 6,290,000 | 6,308,000 | 6,406,000 | 6,473,000 |
| Risk-weighted assets | 41,489,000 | 41,177,000 | 44,353,000 | 46,356,000 |