Call reports 2007
CITIZENS SAVINGS BANK — 2007
What CITIZENS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 91,629,000 | 94,486,000 | 92,752,000 | 92,935,000 |
| Total loans | 48,003,000 | 47,292,000 | 47,631,000 | 47,999,000 |
| Allowance for loan losses | 740,000 | 753,000 | 756,000 | 763,000 |
| Securities available for sale | 35,121,000 | 37,700,000 | 39,368,000 | 39,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,228,000 | 84,388,000 | 80,904,000 | 78,142,000 |
| Interest-bearing deposits | 73,487,000 | 75,754,000 | 73,965,000 | 70,754,000 |
| Noninterest-bearing deposits | 7,741,000 | 8,634,000 | 6,939,000 | 7,388,000 |
| Equity capital | 7,216,000 | 6,960,000 | 7,422,000 | 7,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,634,000 | 3,987,000 | 5,321,000 |
| Interest expense | 579,000 | 1,174,000 | 1,801,000 | 2,432,000 |
| Net interest income | 722,000 | 1,460,000 | 2,186,000 | 2,889,000 |
| Noninterest income | 76,000 | 163,000 | 250,000 | 335,000 |
| Noninterest expense | 441,000 | 886,000 | 1,329,000 | 1,793,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 339,000 | 714,000 | 1,088,000 | 1,407,000 |
| Income tax | 16,000 | 34,000 | 53,000 | 68,000 |
| Net income | 323,000 | 680,000 | 1,035,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,441,000 | 7,553,000 | 7,627,000 | 7,687,000 |
| Total capital | 8,149,000 | 8,273,000 | 8,355,000 | 8,410,000 |
| Risk-weighted assets | 56,571,000 | 57,535,000 | 58,233,000 | 57,786,000 |