Call reports 2008
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2008
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 73,512,000 | 69,395,000 | 71,196,000 | 68,990,000 |
| Total loans | 58,565,000 | 59,027,000 | 58,251,000 | 60,008,000 |
| Allowance for loan losses | 604,000 | 585,000 | 668,000 | 662,000 |
| Securities available for sale | 9,301,000 | 6,731,000 | 5,736,000 | 5,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,472,000 | 59,405,000 | 61,186,000 | 59,165,000 |
| Interest-bearing deposits | 53,326,000 | 45,849,000 | 51,542,000 | 49,298,000 |
| Noninterest-bearing deposits | 10,146,000 | 13,556,000 | 9,644,000 | 9,867,000 |
| Equity capital | 7,537,000 | 7,600,000 | 7,635,000 | 7,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,294,000 | 2,514,000 | 3,748,000 | 4,891,000 |
| Interest expense | 566,000 | 1,012,000 | 1,429,000 | 1,829,000 |
| Net interest income | 728,000 | 1,502,000 | 2,319,000 | 3,062,000 |
| Noninterest income | 147,000 | 263,000 | 394,000 | 489,000 |
| Noninterest expense | 764,000 | 1,474,000 | 2,202,000 | 2,968,000 |
| Provision for loan losses | 14,000 | 34,000 | 284,000 | 377,000 |
| Pretax income | 123,000 | 283,000 | 277,000 | 256,000 |
| Income tax | 39,000 | 91,000 | 55,000 | 54,000 |
| Net income | 84,000 | 192,000 | 222,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,428,000 | 7,534,000 | 7,567,000 | 7,544,000 |
| Total capital | 8,032,000 | 8,119,000 | 8,235,000 | 8,208,000 |
| Risk-weighted assets | 61,585,000 | 61,177,000 | 61,276,000 | 61,900,000 |