Call reports 2008
CITIZENS SAVINGS BANK — 2008
What CITIZENS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 93,034,000 | 91,102,000 | 94,702,000 | 96,955,000 |
| Total loans | 48,811,000 | 49,220,000 | 51,198,000 | 53,426,000 |
| Allowance for loan losses | 765,000 | 771,000 | 774,000 | 775,000 |
| Securities available for sale | 36,124,000 | 36,025,000 | 36,917,000 | 37,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,724,000 | 79,545,000 | 80,442,000 | 84,199,000 |
| Interest-bearing deposits | 73,193,000 | 72,068,000 | 73,286,000 | 75,577,000 |
| Noninterest-bearing deposits | 6,531,000 | 7,477,000 | 7,157,000 | 8,622,000 |
| Equity capital | 8,240,000 | 7,499,000 | 7,628,000 | 8,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,299,000 | 2,555,000 | 3,817,000 | 5,084,000 |
| Interest expense | 561,000 | 1,067,000 | 1,529,000 | 1,955,000 |
| Net interest income | 738,000 | 1,488,000 | 2,288,000 | 3,129,000 |
| Noninterest income | 73,000 | 153,000 | 241,000 | 319,000 |
| Noninterest expense | 488,000 | 953,000 | 1,420,000 | 1,919,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 336,000 | 702,000 | 1,122,000 | 1,568,000 |
| Income tax | 16,000 | 34,000 | 54,000 | 76,000 |
| Net income | 320,000 | 668,000 | 1,068,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,745,000 | 7,818,000 | 7,898,000 | 7,931,000 |
| Total capital | 8,464,000 | 8,528,000 | 8,653,000 | 8,706,000 |
| Risk-weighted assets | 57,506,000 | 56,746,000 | 60,356,000 | 62,454,000 |