Call reports 2003
CITIZENS SAVINGS BANK & TRUST COMPANY — 2003
What CITIZENS SAVINGS BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 |
|---|---|
| Total assets | 103,129,000 |
| Total loans | 78,644,000 |
| Allowance for loan losses | 1,133,000 |
| Securities available for sale | 15,218,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 89,454,000 |
| Interest-bearing deposits | 80,167,000 |
| Noninterest-bearing deposits | 9,287,000 |
| Equity capital | 11,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 |
|---|---|
| Interest income | 1,603,000 |
| Interest expense | 467,000 |
| Net interest income | 1,136,000 |
| Noninterest income | 208,000 |
| Noninterest expense | 1,046,000 |
| Provision for loan losses | 21,000 |
| Pretax income | 277,000 |
| Income tax | 89,000 |
| Net income | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 |
|---|---|
| Tier 1 capital | 10,704,000 |
| Total capital | 11,570,000 |
| Risk-weighted assets | 68,988,000 |