Call reports 2012
CITIZENS SAVINGS BANK — 2012
What CITIZENS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 121,056,000 | 120,007,000 | 119,164,000 | 123,659,000 |
| Total loans | 52,968,000 | 49,981,000 | 50,188,000 | 51,988,000 |
| Allowance for loan losses | 721,000 | 721,000 | 721,000 | 721,000 |
| Securities available for sale | 53,228,000 | 55,255,000 | 55,782,000 | 59,025,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,952,000 | 108,384,000 | 107,222,000 | 111,957,000 |
| Interest-bearing deposits | 98,908,000 | 96,819,000 | 93,281,000 | 96,834,000 |
| Noninterest-bearing deposits | 11,044,000 | 11,565,000 | 13,941,000 | 15,123,000 |
| Equity capital | 10,685,000 | 11,128,000 | 11,401,000 | 11,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,188,000 | 2,345,000 | 3,462,000 | 4,529,000 |
| Interest expense | 218,000 | 417,000 | 593,000 | 769,000 |
| Net interest income | 970,000 | 1,928,000 | 2,869,000 | 3,760,000 |
| Noninterest income | 99,000 | 189,000 | 297,000 | 425,000 |
| Noninterest expense | 554,000 | 1,117,000 | 1,683,000 | 2,226,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 519,000 | 1,004,000 | 1,491,000 | 1,967,000 |
| Income tax | 25,000 | 49,000 | 73,000 | 96,000 |
| Net income | 494,000 | 955,000 | 1,418,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,766,000 | 8,891,000 | 9,006,000 | 9,120,000 |
| Total capital | 9,487,000 | 9,612,000 | 9,727,000 | 9,841,000 |
| Risk-weighted assets | 73,636,000 | 71,333,000 | 72,214,000 | 74,674,000 |