Call reports 2010
CITIZENS SAVINGS BANK — 2010
What CITIZENS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 109,706,000 | 104,987,000 | 115,800,000 | 109,748,000 |
| Total loans | 53,516,000 | 53,732,000 | 54,281,000 | 52,680,000 |
| Allowance for loan losses | 775,000 | 775,000 | 773,000 | 773,000 |
| Securities available for sale | 40,649,000 | 40,714,000 | 42,023,000 | 47,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,925,000 | 92,222,000 | 103,364,000 | 100,192,000 |
| Interest-bearing deposits | 89,695,000 | 83,641,000 | 93,142,000 | 91,417,000 |
| Noninterest-bearing deposits | 7,230,000 | 8,581,000 | 10,222,000 | 8,775,000 |
| Equity capital | 9,140,000 | 9,430,000 | 9,845,000 | 9,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,410,000 | 3,645,000 | 4,869,000 |
| Interest expense | 312,000 | 628,000 | 934,000 | 1,223,000 |
| Net interest income | 895,000 | 1,782,000 | 2,711,000 | 3,646,000 |
| Noninterest income | 73,000 | 157,000 | 288,000 | 400,000 |
| Noninterest expense | 519,000 | 1,038,000 | 1,590,000 | 2,135,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 449,000 | 906,000 | 1,422,000 | 1,928,000 |
| Income tax | 22,000 | 44,000 | 69,000 | 94,000 |
| Net income | 427,000 | 862,000 | 1,353,000 | 1,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,160,000 | 8,244,000 | 8,337,000 | 8,415,000 |
| Total capital | 8,935,000 | 9,019,000 | 9,110,000 | 9,188,000 |
| Risk-weighted assets | 65,070,000 | 66,578,000 | 70,006,000 | 68,762,000 |