Call reports 2002
CITIZENS SAVINGS BANK & TRUST COMPANY — 2002
What CITIZENS SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 103,608,000 | 104,794,000 | 107,240,000 | 103,719,000 |
| Total loans | 76,689,000 | 76,865,000 | 77,965,000 | 76,114,000 |
| Allowance for loan losses | 1,031,000 | 1,074,000 | 1,122,000 | 1,105,000 |
| Securities available for sale | 20,408,000 | 19,695,000 | 19,926,000 | 16,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,955,000 | 89,152,000 | 92,504,000 | 90,070,000 |
| Interest-bearing deposits | 80,866,000 | 79,491,000 | 82,050,000 | 79,192,000 |
| Noninterest-bearing deposits | 9,089,000 | 9,661,000 | 10,454,000 | 10,878,000 |
| Equity capital | 11,058,000 | 11,204,000 | 11,285,000 | 11,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,744,000 | 3,484,000 | 5,237,000 | 6,948,000 |
| Interest expense | 613,000 | 1,190,000 | 1,762,000 | 2,296,000 |
| Net interest income | 1,131,000 | 2,294,000 | 3,475,000 | 4,652,000 |
| Noninterest income | 185,000 | 388,000 | 544,000 | 722,000 |
| Noninterest expense | 855,000 | 1,743,000 | 2,640,000 | 3,511,000 |
| Provision for loan losses | 45,000 | 105,000 | 155,000 | 200,000 |
| Pretax income | 413,000 | 831,000 | 1,221,000 | 1,660,000 |
| Income tax | 136,000 | 273,000 | 401,000 | 546,000 |
| Net income | 277,000 | 558,000 | 820,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,958,000 | 10,928,000 | 10,881,000 | 10,846,000 |
| Total capital | 11,842,000 | 11,814,000 | 11,774,000 | 11,733,000 |
| Risk-weighted assets | 70,558,000 | 70,694,000 | 71,210,000 | 70,740,000 |