Call reports 2015
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2015
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 146,831,000 | 145,697,000 | 142,018,000 | 142,782,000 |
| Total loans | 106,813,000 | 105,295,000 | 105,081,000 | 103,370,000 |
| Allowance for loan losses | 280,000 | 280,000 | 280,000 | 280,000 |
| Securities available for sale | 8,383,000 | 7,596,000 | 7,016,000 | 8,029,000 |
| Securities held to maturity | 14,160,000 | 14,203,000 | 14,657,000 | 14,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,922,000 | 130,005,000 | 126,030,000 | 126,607,000 |
| Interest-bearing deposits | 128,775,000 | 128,098,000 | 124,197,000 | 124,484,000 |
| Noninterest-bearing deposits | 2,147,000 | 1,907,000 | 1,833,000 | 2,123,000 |
| Equity capital | 14,132,000 | 14,182,000 | 13,845,000 | 13,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,153,000 | 2,293,000 | 3,418,000 | 4,529,000 |
| Interest expense | 252,000 | 502,000 | 747,000 | 986,000 |
| Net interest income | 901,000 | 1,791,000 | 2,671,000 | 3,543,000 |
| Noninterest income | 112,000 | 243,000 | 389,000 | 538,000 |
| Noninterest expense | 910,000 | 1,802,000 | 2,664,000 | 3,563,000 |
| Provision for loan losses | 0 | 0 | 27,000 | 27,000 |
| Pretax income | 105,000 | 234,000 | 371,000 | 498,000 |
| Income tax | 10,000 | 22,000 | 37,000 | 49,000 |
| Net income | 95,000 | 212,000 | 334,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,062,000 | 15,179,000 | 15,516,000 | 15,630,000 |
| Total capital | 15,342,000 | 15,459,000 | 15,796,000 | 15,910,000 |
| Risk-weighted assets | 70,407,000 | 69,739,000 | 68,954,000 | 68,824,000 |