Call reports 2010
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2010
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 78,854,000 | 84,043,000 | 83,935,000 | 87,277,000 |
| Total loans | 60,380,000 | 60,488,000 | 61,547,000 | 62,750,000 |
| Allowance for loan losses | 863,000 | 852,000 | 883,000 | 926,000 |
| Securities available for sale | 9,123,000 | 9,523,000 | 9,588,000 | 11,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,777,000 | 72,654,000 | 71,960,000 | 75,560,000 |
| Interest-bearing deposits | 56,280,000 | 62,099,000 | 60,476,000 | 65,858,000 |
| Noninterest-bearing deposits | 11,497,000 | 10,555,000 | 11,484,000 | 9,702,000 |
| Equity capital | 7,822,000 | 8,016,000 | 8,206,000 | 7,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,454,000 | 3,640,000 | 4,806,000 |
| Interest expense | 272,000 | 533,000 | 770,000 | 1,015,000 |
| Net interest income | 990,000 | 1,921,000 | 2,870,000 | 3,791,000 |
| Noninterest income | 111,000 | 230,000 | 342,000 | 511,000 |
| Noninterest expense | 888,000 | 1,686,000 | 2,534,000 | 3,306,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 153,000 | 345,000 | 498,000 | 756,000 |
| Income tax | 53,000 | 127,000 | 185,000 | 355,000 |
| Net income | 100,000 | 218,000 | 313,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,832,000 | 7,950,000 | 8,045,000 | 8,092,000 |
| Total capital | 8,611,000 | 8,731,000 | 8,875,000 | 8,920,000 |
| Risk-weighted assets | 62,286,000 | 62,414,000 | 66,238,000 | 66,244,000 |