Call reports 2013
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2013
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 154,380,000 | 152,695,000 | 151,848,000 | 152,217,000 |
| Total loans | 114,411,000 | 111,871,000 | 110,212,000 | 110,017,000 |
| Allowance for loan losses | 300,000 | 290,000 | 300,000 | 300,000 |
| Securities available for sale | 8,935,000 | 8,720,000 | 8,423,000 | 8,211,000 |
| Securities held to maturity | 12,930,000 | 12,826,000 | 12,544,000 | 13,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,340,000 | 137,982,000 | 136,912,000 | 137,230,000 |
| Interest-bearing deposits | 137,871,000 | 136,679,000 | 135,683,000 | 135,836,000 |
| Noninterest-bearing deposits | 1,469,000 | 1,303,000 | 1,229,000 | 1,394,000 |
| Equity capital | 13,184,000 | 13,226,000 | 13,404,000 | 13,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,312,000 | 2,558,000 | 3,788,000 | 5,001,000 |
| Interest expense | 360,000 | 705,000 | 1,038,000 | 1,358,000 |
| Net interest income | 952,000 | 1,853,000 | 2,750,000 | 3,643,000 |
| Noninterest income | 207,000 | 452,000 | 597,000 | 692,000 |
| Noninterest expense | 892,000 | 1,727,000 | 2,588,000 | 3,452,000 |
| Provision for loan losses | 0 | 9,000 | 19,000 | 19,000 |
| Pretax income | 267,000 | 569,000 | 740,000 | 864,000 |
| Income tax | 63,000 | 137,000 | 164,000 | 173,000 |
| Net income | 204,000 | 432,000 | 576,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,009,000 | 14,236,000 | 14,445,000 | 14,562,000 |
| Total capital | 14,309,000 | 14,526,000 | 14,745,000 | 14,862,000 |
| Risk-weighted assets | 74,838,000 | 73,906,000 | 73,620,000 | 73,235,000 |