Call reports 2011
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2011
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 90,055,000 | 91,679,000 | 91,405,000 | 90,482,000 |
| Total loans | 63,512,000 | 65,298,000 | 64,769,000 | 64,135,000 |
| Allowance for loan losses | 961,000 | 984,000 | 1,019,000 | 984,000 |
| Securities available for sale | 15,754,000 | 13,960,000 | 16,552,000 | 17,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,618,000 | 80,944,000 | 80,297,000 | 79,478,000 |
| Interest-bearing deposits | 66,627,000 | 71,674,000 | 70,738,000 | 70,049,000 |
| Noninterest-bearing deposits | 12,991,000 | 9,270,000 | 9,559,000 | 9,429,000 |
| Equity capital | 7,927,000 | 8,237,000 | 8,433,000 | 8,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,415,000 | 3,657,000 | 4,893,000 |
| Interest expense | 362,000 | 404,000 | 599,000 | 778,000 |
| Net interest income | 841,000 | 2,011,000 | 3,058,000 | 4,115,000 |
| Noninterest income | 81,000 | 164,000 | 300,000 | 450,000 |
| Noninterest expense | 933,000 | 1,986,000 | 3,038,000 | 4,114,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 200,000 |
| Pretax income | -54,000 | 86,000 | 157,000 | 248,000 |
| Income tax | 5,000 | 42,000 | 63,000 | 61,000 |
| Net income | -59,000 | 44,000 | 94,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,033,000 | 8,135,000 | 8,186,000 | 8,278,000 |
| Total capital | 8,889,000 | 8,969,000 | 9,043,000 | 9,130,000 |
| Risk-weighted assets | 67,854,000 | 66,578,000 | 69,227,000 | 68,012,000 |