Call reports 2012
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2012
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION 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 | 154,299,000 | 152,771,000 | 153,264,000 | 154,493,000 |
| Total loans | 112,574,000 | 114,002,000 | 116,936,000 | 116,941,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 9,531,000 | 9,661,000 | 9,548,000 | 9,279,000 |
| Securities held to maturity | 14,178,000 | 14,073,000 | 13,400,000 | 13,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,730,000 | 138,756,000 | 138,653,000 | 139,672,000 |
| Interest-bearing deposits | 138,888,000 | 137,901,000 | 137,870,000 | 138,516,000 |
| Noninterest-bearing deposits | 842,000 | 855,000 | 783,000 | 1,156,000 |
| Equity capital | 12,479,000 | 12,674,000 | 12,836,000 | 13,024,000 |
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 | 1,424,000 | 2,831,000 | 4,223,000 | 5,589,000 |
| Interest expense | 432,000 | 877,000 | 1,290,000 | 1,683,000 |
| Net interest income | 992,000 | 1,954,000 | 2,933,000 | 3,906,000 |
| Noninterest income | 122,000 | 211,000 | 508,000 | 652,000 |
| Noninterest expense | 821,000 | 1,635,000 | 2,456,000 | 3,315,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 293,000 | 530,000 | 980,000 | 1,238,000 |
| Income tax | 81,000 | 140,000 | 268,000 | 330,000 |
| Net income | 212,000 | 390,000 | 712,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,108,000 | 13,286,000 | 13,609,000 | 13,806,000 |
| Total capital | 13,408,000 | 13,586,000 | 13,909,000 | 14,106,000 |
| Risk-weighted assets | 75,305,000 | 75,324,000 | 75,857,000 | 75,632,000 |