Call reports 2007
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2007
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 73,083,000 | 77,304,000 | 78,386,000 | 78,192,000 |
| Total loans | 51,892,000 | 53,851,000 | 56,250,000 | 58,836,000 |
| Allowance for loan losses | 677,000 | 668,000 | 644,000 | 613,000 |
| Securities available for sale | 13,434,000 | 14,312,000 | 15,335,000 | 13,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,611,000 | 67,067,000 | 68,034,000 | 65,525,000 |
| Interest-bearing deposits | 52,875,000 | 56,813,000 | 58,816,000 | 54,630,000 |
| Noninterest-bearing deposits | 9,736,000 | 10,254,000 | 9,218,000 | 10,895,000 |
| Equity capital | 7,067,000 | 7,039,000 | 7,288,000 | 7,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,597,000 | 3,925,000 | 5,290,000 |
| Interest expense | 544,000 | 1,124,000 | 1,737,000 | 2,340,000 |
| Net interest income | 745,000 | 1,473,000 | 2,188,000 | 2,950,000 |
| Noninterest income | 127,000 | 255,000 | 354,000 | 477,000 |
| Noninterest expense | 674,000 | 1,362,000 | 2,064,000 | 2,821,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 194,000 | 342,000 | 442,000 | 557,000 |
| Income tax | 79,000 | 127,000 | 161,000 | 196,000 |
| Net income | 115,000 | 215,000 | 281,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,097,000 | 7,197,000 | 7,263,000 | 7,342,000 |
| Total capital | 7,774,000 | 7,865,000 | 7,907,000 | 7,955,000 |
| Risk-weighted assets | 56,223,000 | 59,400,000 | 60,764,000 | 62,875,000 |