Call reports 2009
CITIZENS SAVINGS BANK — 2009
What CITIZENS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,687,000 | 97,218,000 | 103,542,000 | 104,442,000 |
| Total loans | 55,182,000 | 52,001,000 | 52,957,000 | 51,485,000 |
| Allowance for loan losses | 775,000 | 775,000 | 775,000 | 775,000 |
| Securities available for sale | 37,918,000 | 36,395,000 | 37,794,000 | 40,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,004,000 | 84,509,000 | 90,336,000 | 91,904,000 |
| Interest-bearing deposits | 76,042,000 | 77,108,000 | 81,440,000 | 83,122,000 |
| Noninterest-bearing deposits | 7,962,000 | 7,401,000 | 8,896,000 | 8,782,000 |
| Equity capital | 8,294,000 | 8,418,000 | 9,040,000 | 8,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,267,000 | 2,496,000 | 3,703,000 | 4,942,000 |
| Interest expense | 392,000 | 774,000 | 1,144,000 | 1,496,000 |
| Net interest income | 875,000 | 1,722,000 | 2,559,000 | 3,446,000 |
| Noninterest income | 81,000 | 185,000 | 263,000 | 353,000 |
| Noninterest expense | 543,000 | 1,081,000 | 1,598,000 | 2,076,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 412,000 | 823,000 | 1,215,000 | 1,714,000 |
| Income tax | 20,000 | 40,000 | 59,000 | 83,000 |
| Net income | 392,000 | 783,000 | 1,156,000 | 1,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,866,000 | 7,966,000 | 7,989,000 | 8,132,000 |
| Total capital | 8,641,000 | 8,736,000 | 8,764,000 | 8,907,000 |
| Risk-weighted assets | 65,453,000 | 61,609,000 | 63,067,000 | 63,004,000 |