Call reports 2003
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2003
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,515,000 | 54,221,000 | 52,104,000 | 54,849,000 |
| Total loans | 31,896,000 | 32,308,000 | 34,995,000 | 38,849,000 |
| Allowance for loan losses | 567,000 | 501,000 | 501,000 | 510,000 |
| Securities available for sale | 10,514,000 | 8,225,000 | 10,013,000 | 8,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,136,000 | 48,808,000 | 46,839,000 | 49,516,000 |
| Interest-bearing deposits | 40,493,000 | 42,064,000 | 40,094,000 | 41,917,000 |
| Noninterest-bearing deposits | 7,643,000 | 6,744,000 | 6,745,000 | 7,599,000 |
| Equity capital | 4,630,000 | 4,753,000 | 4,687,000 | 4,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 791,000 | 1,551,000 | 2,337,000 | 3,172,000 |
| Interest expense | 195,000 | 371,000 | 543,000 | 701,000 |
| Net interest income | 596,000 | 1,180,000 | 1,794,000 | 2,471,000 |
| Noninterest income | 224,000 | 459,000 | 686,000 | 921,000 |
| Noninterest expense | 645,000 | 1,305,000 | 2,001,000 | 2,809,000 |
| Provision for loan losses | 63,000 | 120,000 | 154,000 | 168,000 |
| Pretax income | 112,000 | 243,000 | 355,000 | 451,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 112,000 | 243,000 | 355,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,549,000 | 4,680,000 | 4,792,000 | 4,888,000 |
| Total capital | 5,011,000 | 5,181,000 | 5,293,000 | 5,398,000 |
| Risk-weighted assets | 36,827,000 | 42,739,000 | 46,815,000 | 48,510,000 |