Call reports 2012
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2012
What CITIZENS SAVINGS BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 90,741,000 | 92,609,000 | 91,500,000 | 89,160,000 |
| Total loans | 65,477,000 | 64,830,000 | 66,190,000 | 64,551,000 |
| Allowance for loan losses | 1,012,000 | 1,054,000 | 1,067,000 | 974,000 |
| Securities available for sale | 14,503,000 | 14,605,000 | 18,868,000 | 14,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,690,000 | 81,567,000 | 80,420,000 | 78,171,000 |
| Interest-bearing deposits | 68,626,000 | 70,681,000 | 68,864,000 | 66,604,000 |
| Noninterest-bearing deposits | 11,064,000 | 10,886,000 | 11,556,000 | 11,567,000 |
| Equity capital | 8,517,000 | 8,662,000 | 8,674,000 | 8,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,418,000 | 3,636,000 | 4,837,000 |
| Interest expense | 164,000 | 322,000 | 472,000 | 613,000 |
| Net interest income | 1,059,000 | 2,096,000 | 3,164,000 | 4,224,000 |
| Noninterest income | 101,000 | 200,000 | 286,000 | 349,000 |
| Noninterest expense | 980,000 | 2,032,000 | 3,157,000 | 4,216,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 180,000 |
| Pretax income | 135,000 | 174,000 | 173,000 | 180,000 |
| Income tax | 53,000 | 71,000 | 84,000 | 54,000 |
| Net income | 82,000 | 103,000 | 89,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,360,000 | 8,382,000 | 8,366,000 | 8,305,000 |
| Total capital | 9,226,000 | 9,238,000 | 9,243,000 | 9,171,000 |
| Risk-weighted assets | 69,163,000 | 68,541,000 | 70,874,000 | 69,239,000 |