Call reports 2014
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2014
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 152,222,000 | 151,488,000 | 149,555,000 | 147,639,000 |
| Total loans | 109,256,000 | 109,153,000 | 108,780,000 | 107,933,000 |
| Allowance for loan losses | 239,000 | 250,000 | 244,000 | 280,000 |
| Securities available for sale | 7,969,000 | 7,646,000 | 8,372,000 | 8,493,000 |
| Securities held to maturity | 15,700,000 | 15,864,000 | 15,234,000 | 15,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,759,000 | 136,192,000 | 134,111,000 | 132,037,000 |
| Interest-bearing deposits | 135,110,000 | 134,512,000 | 132,422,000 | 130,263,000 |
| Noninterest-bearing deposits | 1,649,000 | 1,680,000 | 1,689,000 | 1,774,000 |
| Equity capital | 13,697,000 | 13,851,000 | 13,905,000 | 14,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,186,000 | 2,368,000 | 3,559,000 | 4,725,000 |
| Interest expense | 283,000 | 560,000 | 834,000 | 1,101,000 |
| Net interest income | 903,000 | 1,808,000 | 2,725,000 | 3,624,000 |
| Noninterest income | 106,000 | 189,000 | 294,000 | 424,000 |
| Noninterest expense | 886,000 | 1,734,000 | 2,599,000 | 3,466,000 |
| Provision for loan losses | 4,000 | 15,000 | 54,000 | 90,000 |
| Pretax income | 119,000 | 248,000 | 366,000 | 492,000 |
| Income tax | 8,000 | 19,000 | 33,000 | 44,000 |
| Net income | 111,000 | 229,000 | 333,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,673,000 | 14,792,000 | 14,830,000 | 14,947,000 |
| Total capital | 14,912,000 | 15,042,000 | 15,074,000 | 15,227,000 |
| Risk-weighted assets | 73,019,000 | 72,913,000 | 72,287,000 | 71,064,000 |