Call reports 2005
CITIZENS SAVINGS BANK — 2005
What CITIZENS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,243,000 | 85,866,000 | 89,498,000 | 88,807,000 |
| Total loans | 42,546,000 | 43,744,000 | 48,010,000 | 47,040,000 |
| Allowance for loan losses | 624,000 | 636,000 | 646,000 | 651,000 |
| Securities available for sale | 40,641,000 | 34,507,000 | 34,344,000 | 36,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,518,000 | 76,636,000 | 79,612,000 | 79,535,000 |
| Interest-bearing deposits | 77,113,000 | 69,491,000 | 72,259,000 | 71,577,000 |
| Noninterest-bearing deposits | 9,405,000 | 7,145,000 | 7,353,000 | 7,958,000 |
| Equity capital | 6,410,000 | 6,909,000 | 6,829,000 | 6,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,048,000 | 2,104,000 | 3,185,000 | 4,329,000 |
| Interest expense | 301,000 | 610,000 | 958,000 | 1,369,000 |
| Net interest income | 747,000 | 1,494,000 | 2,227,000 | 2,960,000 |
| Noninterest income | 62,000 | 136,000 | 214,000 | 289,000 |
| Noninterest expense | 427,000 | 853,000 | 1,277,000 | 1,718,000 |
| Provision for loan losses | 0 | 12,000 | 24,000 | 36,000 |
| Pretax income | 398,000 | 800,000 | 1,189,000 | 1,546,000 |
| Income tax | 18,000 | 34,000 | 51,000 | 66,000 |
| Net income | 380,000 | 766,000 | 1,138,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,750,000 | 6,851,000 | 6,942,000 | 6,997,000 |
| Total capital | 7,374,000 | 7,484,000 | 7,588,000 | 7,648,000 |
| Risk-weighted assets | 52,550,000 | 50,661,000 | 55,241,000 | 54,209,000 |