Call reports 2002
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2002
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 47,746,000 | 48,476,000 | 50,614,000 | 51,995,000 |
| Total loans | 30,988,000 | 30,781,000 | 30,351,000 | 31,296,000 |
| Allowance for loan losses | 467,000 | 504,000 | 529,000 | 496,000 |
| Securities available for sale | 6,904,000 | 6,915,000 | 10,773,000 | 9,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,587,000 | 43,257,000 | 45,308,000 | 46,549,000 |
| Interest-bearing deposits | 35,217,000 | 36,498,000 | 38,381,000 | 38,647,000 |
| Noninterest-bearing deposits | 7,370,000 | 6,759,000 | 6,927,000 | 7,902,000 |
| Equity capital | 4,057,000 | 4,283,000 | 4,443,000 | 4,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,597,000 | 2,410,000 | 3,228,000 |
| Interest expense | 224,000 | 437,000 | 649,000 | 869,000 |
| Net interest income | 569,000 | 1,160,000 | 1,761,000 | 2,359,000 |
| Noninterest income | 191,000 | 404,000 | 642,000 | 863,000 |
| Noninterest expense | 617,000 | 1,243,000 | 1,897,000 | 2,575,000 |
| Provision for loan losses | 24,000 | 71,000 | 114,000 | 127,000 |
| Pretax income | 112,000 | 250,000 | 392,000 | 520,000 |
| Income tax | 3,000 | 0 | 0 | 0 |
| Net income | 109,000 | 250,000 | 392,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,025,000 | 4,167,000 | 4,308,000 | 4,436,000 |
| Total capital | 4,434,000 | 4,576,000 | 4,732,000 | 4,895,000 |
| Risk-weighted assets | 32,691,000 | 32,619,000 | 33,776,000 | 36,232,000 |