Call reports 2003
CITIZENS SAVINGS BANK — 2003
What CITIZENS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,271,000 | 89,698,000 | 89,807,000 | 89,799,000 |
| Total loans | 39,423,000 | 39,956,000 | 41,091,000 | 40,725,000 |
| Allowance for loan losses | 590,000 | 598,000 | 615,000 | 615,000 |
| Securities available for sale | 43,896,000 | 44,931,000 | 42,308,000 | 44,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,115,000 | 79,499,000 | 83,042,000 | 82,011,000 |
| Interest-bearing deposits | 81,671,000 | 73,125,000 | 76,256,000 | 75,695,000 |
| Noninterest-bearing deposits | 6,444,000 | 6,374,000 | 6,787,000 | 6,316,000 |
| Equity capital | 6,733,000 | 7,133,000 | 6,380,000 | 6,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,104,000 | 2,168,000 | 3,165,000 | 4,207,000 |
| Interest expense | 400,000 | 766,000 | 1,094,000 | 1,409,000 |
| Net interest income | 704,000 | 1,402,000 | 2,071,000 | 2,798,000 |
| Noninterest income | 98,000 | 215,000 | 327,000 | 411,000 |
| Noninterest expense | 406,000 | 820,000 | 1,231,000 | 1,648,000 |
| Provision for loan losses | 11,000 | 19,000 | 36,000 | 36,000 |
| Pretax income | 385,000 | 855,000 | 1,237,000 | 1,640,000 |
| Income tax | 20,000 | 45,000 | 64,000 | 85,000 |
| Net income | 365,000 | 810,000 | 1,173,000 | 1,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,941,000 | 6,069,000 | 6,112,000 | 6,256,000 |
| Total capital | 6,531,000 | 6,667,000 | 6,700,000 | 6,871,000 |
| Risk-weighted assets | 49,664,000 | 49,106,000 | 47,049,000 | 50,220,000 |