Call reports 2004
CITIZENS SAVINGS BANK — 2004
What CITIZENS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,117,000 | 88,840,000 | 90,827,000 | 88,802,000 |
| Total loans | 41,535,000 | 40,737,000 | 41,174,000 | 40,800,000 |
| Allowance for loan losses | 628,000 | 628,000 | 626,000 | 624,000 |
| Securities available for sale | 44,670,000 | 43,092,000 | 42,977,000 | 42,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,486,000 | 80,620,000 | 83,474,000 | 81,581,000 |
| Interest-bearing deposits | 78,970,000 | 73,484,000 | 76,927,000 | 73,355,000 |
| Noninterest-bearing deposits | 7,516,000 | 7,136,000 | 6,547,000 | 8,226,000 |
| Equity capital | 7,296,000 | 5,981,000 | 6,961,000 | 6,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,150,000 | 3,188,000 | 4,255,000 |
| Interest expense | 286,000 | 571,000 | 869,000 | 1,173,000 |
| Net interest income | 773,000 | 1,579,000 | 2,319,000 | 3,082,000 |
| Noninterest income | 70,000 | 149,000 | 222,000 | 298,000 |
| Noninterest expense | 423,000 | 851,000 | 1,254,000 | 1,676,000 |
| Provision for loan losses | 13,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | 407,000 | 889,000 | 1,323,000 | 1,738,000 |
| Income tax | 18,000 | 41,000 | 69,000 | 88,000 |
| Net income | 389,000 | 848,000 | 1,254,000 | 1,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,351,000 | 6,515,000 | 6,574,000 | 6,668,000 |
| Total capital | 6,979,000 | 7,141,000 | 7,200,000 | 7,292,000 |
| Risk-weighted assets | 51,701,000 | 50,066,000 | 51,209,000 | 50,506,000 |