Call reports 2005
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2005
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 49,054,000 | 53,805,000 | 55,234,000 | 56,065,000 |
| Total loans | 39,441,000 | 39,001,000 | 42,324,000 | 43,374,000 |
| Allowance for loan losses | 664,000 | 703,000 | 779,000 | 787,000 |
| Securities available for sale | 6,982,000 | 7,056,000 | 7,007,000 | 7,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,776,000 | 47,079,000 | 48,446,000 | 49,278,000 |
| Interest-bearing deposits | 35,617,000 | 37,344,000 | 41,456,000 | 41,116,000 |
| Noninterest-bearing deposits | 7,159,000 | 9,735,000 | 6,990,000 | 8,162,000 |
| Equity capital | 5,728,000 | 6,079,000 | 6,158,000 | 6,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 748,000 | 1,497,000 | 2,313,000 | 3,184,000 |
| Interest expense | 131,000 | 273,000 | 512,000 | 774,000 |
| Net interest income | 617,000 | 1,224,000 | 1,801,000 | 2,410,000 |
| Noninterest income | 148,000 | 639,000 | 968,000 | 1,106,000 |
| Noninterest expense | 674,000 | 1,388,000 | 2,201,000 | 2,839,000 |
| Provision for loan losses | 6,000 | 47,000 | 123,000 | 129,000 |
| Pretax income | 72,000 | 415,000 | 432,000 | 535,000 |
| Income tax | 0 | 84,000 | 0 | 0 |
| Net income | 72,000 | 331,000 | 432,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,924,000 | 6,183,000 | 6,284,000 | 6,270,000 |
| Total capital | 6,460,000 | 6,715,000 | 6,844,000 | 6,824,000 |
| Risk-weighted assets | 42,333,000 | 42,872,000 | 46,038,000 | 44,124,000 |