Call reports 2001
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2001
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 43,387,000 | 45,088,000 | 45,841,000 | 46,501,000 |
| Total loans | 26,928,000 | 25,480,000 | 28,599,000 | 30,723,000 |
| Allowance for loan losses | 406,000 | 399,000 | 428,000 | 443,000 |
| Securities available for sale | 7,795,000 | 6,884,000 | 7,145,000 | 6,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,255,000 | 40,935,000 | 40,741,000 | 41,413,000 |
| Interest-bearing deposits | 31,840,000 | 32,801,000 | 32,511,000 | 34,228,000 |
| Noninterest-bearing deposits | 7,415,000 | 8,134,000 | 8,230,000 | 7,185,000 |
| Equity capital | 3,501,000 | 3,597,000 | 3,988,000 | 3,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,577,000 | 2,393,000 | 3,178,000 |
| Interest expense | 313,000 | 625,000 | 920,000 | 1,195,000 |
| Net interest income | 483,000 | 952,000 | 1,473,000 | 1,983,000 |
| Noninterest income | 161,000 | 308,000 | 809,000 | 931,000 |
| Noninterest expense | 598,000 | 1,165,000 | 1,861,000 | 2,430,000 |
| Provision for loan losses | 1,000 | 3,000 | 31,000 | 51,000 |
| Pretax income | 45,000 | 92,000 | 390,000 | 433,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 45,000 | 92,000 | 390,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,521,000 | 3,569,000 | 3,871,000 | 3,916,000 |
| Total capital | 3,916,000 | 3,940,000 | 4,280,000 | 4,340,000 |
| Risk-weighted assets | 31,555,000 | 29,663,000 | 32,629,000 | 33,908,000 |