Call reports 2001
CITIZENS SAVINGS BANK & TRUST COMPANY — 2001
What CITIZENS SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 98,018,000 | 100,468,000 | 104,707,000 | 105,566,000 |
| Total loans | 70,590,000 | 75,417,000 | 75,948,000 | 74,881,000 |
| Allowance for loan losses | 1,108,000 | 1,036,000 | 1,052,000 | 1,035,000 |
| Securities available for sale | 20,878,000 | 19,845,000 | 20,728,000 | 20,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,222,000 | 85,464,000 | 89,584,000 | 91,779,000 |
| Interest-bearing deposits | 77,176,000 | 76,867,000 | 79,738,000 | 81,404,000 |
| Noninterest-bearing deposits | 8,046,000 | 8,597,000 | 9,846,000 | 10,375,000 |
| Equity capital | 11,285,000 | 11,284,000 | 11,430,000 | 11,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,881,000 | 3,817,000 | 5,744,000 | 7,616,000 |
| Interest expense | 847,000 | 1,660,000 | 2,456,000 | 3,182,000 |
| Net interest income | 1,034,000 | 2,157,000 | 3,288,000 | 4,434,000 |
| Noninterest income | 201,000 | 405,000 | 554,000 | 738,000 |
| Noninterest expense | 811,000 | 1,677,000 | 2,519,000 | 3,432,000 |
| Provision for loan losses | 56,000 | 113,000 | 169,000 | 225,000 |
| Pretax income | 366,000 | 770,000 | 1,156,000 | 1,542,000 |
| Income tax | 121,000 | 252,000 | 381,000 | 506,000 |
| Net income | 245,000 | 518,000 | 775,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,110,000 | 11,102,000 | 11,059,000 | 10,996,000 |
| Total capital | 11,960,000 | 11,978,000 | 11,960,000 | 11,883,000 |
| Risk-weighted assets | 67,751,000 | 69,936,000 | 71,959,000 | 70,807,000 |