Call reports 2004
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2004
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 54,884,000 | 51,983,000 | 52,718,000 | 51,687,000 |
| Total loans | 38,534,000 | 39,023,000 | 39,980,000 | 39,518,000 |
| Allowance for loan losses | 515,000 | 548,000 | 601,000 | 654,000 |
| Securities available for sale | 7,865,000 | 7,429,000 | 7,711,000 | 7,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,212,000 | 46,817,000 | 46,892,000 | 45,296,000 |
| Interest-bearing deposits | 41,313,000 | 39,338,000 | 38,843,000 | 37,605,000 |
| Noninterest-bearing deposits | 7,899,000 | 7,479,000 | 8,049,000 | 7,691,000 |
| Equity capital | 5,006,000 | 4,720,000 | 5,310,000 | 5,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 795,000 | 1,573,000 | 2,344,000 | 3,122,000 |
| Interest expense | 147,000 | 281,000 | 406,000 | 543,000 |
| Net interest income | 648,000 | 1,292,000 | 1,938,000 | 2,579,000 |
| Noninterest income | 172,000 | 346,000 | 855,000 | 1,684,000 |
| Noninterest expense | 713,000 | 1,442,000 | 2,269,000 | 3,078,000 |
| Provision for loan losses | 6,000 | 12,000 | 68,000 | 224,000 |
| Pretax income | 101,000 | 184,000 | 456,000 | 961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | 184,000 | 456,000 | 961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,989,000 | 5,073,000 | 5,346,000 | 5,851,000 |
| Total capital | 5,504,000 | 5,614,000 | 5,904,000 | 6,395,000 |
| Risk-weighted assets | 43,729,000 | 43,616,000 | 43,789,000 | 43,375,000 |