Call reports 2011
CITIZENS SAVINGS BANK — 2011
What CITIZENS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 116,014,000 | 110,559,000 | 113,684,000 | 115,849,000 |
| Total loans | 52,578,000 | 53,065,000 | 54,227,000 | 51,687,000 |
| Allowance for loan losses | 772,000 | 772,000 | 772,000 | 721,000 |
| Securities available for sale | 50,850,000 | 50,718,000 | 51,870,000 | 51,297,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,427,000 | 99,084,000 | 100,755,000 | 104,685,000 |
| Interest-bearing deposits | 97,073,000 | 91,208,000 | 90,693,000 | 95,061,000 |
| Noninterest-bearing deposits | 9,354,000 | 7,876,000 | 10,062,000 | 9,624,000 |
| Equity capital | 9,206,000 | 10,009,000 | 10,611,000 | 10,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,231,000 | 2,478,000 | 3,728,000 | 4,956,000 |
| Interest expense | 266,000 | 520,000 | 754,000 | 979,000 |
| Net interest income | 965,000 | 1,958,000 | 2,974,000 | 3,977,000 |
| Noninterest income | 72,000 | 151,000 | 245,000 | 333,000 |
| Noninterest expense | 575,000 | 1,160,000 | 1,753,000 | 2,269,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 511,000 | 1,057,000 | 1,574,000 | 2,149,000 |
| Income tax | 25,000 | 51,000 | 77,000 | 105,000 |
| Net income | 486,000 | 1,006,000 | 1,497,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,447,000 | 8,572,000 | 8,598,000 | 8,688,000 |
| Total capital | 9,219,000 | 9,344,000 | 9,370,000 | 9,409,000 |
| Risk-weighted assets | 71,447,000 | 70,823,000 | 72,383,000 | 71,381,000 |