Call reports 2009
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2009
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 76,684,000 | 76,701,000 | 76,080,000 | 80,864,000 |
| Total loans | 59,969,000 | 60,558,000 | 62,228,000 | 61,997,000 |
| Allowance for loan losses | 665,000 | 693,000 | 736,000 | 802,000 |
| Securities available for sale | 5,661,000 | 8,010,000 | 7,886,000 | 7,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,728,000 | 66,783,000 | 65,670,000 | 71,030,000 |
| Interest-bearing deposits | 56,894,000 | 56,345,000 | 56,615,000 | 61,431,000 |
| Noninterest-bearing deposits | 9,834,000 | 10,438,000 | 9,055,000 | 9,599,000 |
| Equity capital | 7,638,000 | 7,560,000 | 7,713,000 | 7,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,186,000 | 2,371,000 | 3,541,000 | 4,747,000 |
| Interest expense | 366,000 | 745,000 | 1,056,000 | 1,345,000 |
| Net interest income | 820,000 | 1,626,000 | 2,485,000 | 3,402,000 |
| Noninterest income | 112,000 | 250,000 | 379,000 | 487,000 |
| Noninterest expense | 789,000 | 1,667,000 | 2,482,000 | 3,270,000 |
| Provision for loan losses | 60,000 | 105,000 | 175,000 | 285,000 |
| Pretax income | 83,000 | 104,000 | 243,000 | 370,000 |
| Income tax | 23,000 | 30,000 | 62,000 | 127,000 |
| Net income | 60,000 | 74,000 | 181,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,604,000 | 7,596,000 | 7,704,000 | 7,726,000 |
| Total capital | 8,269,000 | 8,289,000 | 8,440,000 | 8,528,000 |
| Risk-weighted assets | 62,721,000 | 62,056,000 | 63,694,000 | 63,790,000 |