Call reports 2016
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2016
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 139,897,000 | 137,763,000 | 137,579,000 | 138,270,000 |
| Total loans | 102,010,000 | 99,006,000 | 100,197,000 | 101,270,000 |
| Allowance for loan losses | 280,000 | 280,000 | 280,000 | 280,000 |
| Securities available for sale | 8,356,000 | 11,198,000 | 14,081,000 | 13,736,000 |
| Securities held to maturity | 13,902,000 | 12,785,000 | 12,250,000 | 11,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,487,000 | 121,446,000 | 121,074,000 | 121,780,000 |
| Interest-bearing deposits | 121,183,000 | 118,996,000 | 118,843,000 | 119,444,000 |
| Noninterest-bearing deposits | 2,304,000 | 2,450,000 | 2,231,000 | 2,336,000 |
| Equity capital | 14,065,000 | 14,222,000 | 14,452,000 | 14,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,103,000 | 2,208,000 | 3,287,000 | 4,408,000 |
| Interest expense | 217,000 | 422,000 | 623,000 | 822,000 |
| Net interest income | 886,000 | 1,786,000 | 2,664,000 | 3,586,000 |
| Noninterest income | 78,000 | 229,000 | 354,000 | 439,000 |
| Noninterest expense | 921,000 | 1,828,000 | 2,778,000 | 3,650,000 |
| Provision for loan losses | 0 | 12,000 | 14,000 | 14,000 |
| Pretax income | 50,000 | 186,000 | 237,000 | 372,000 |
| Income tax | -14,000 | 2,000 | -11,000 | -19,000 |
| Net income | 64,000 | 184,000 | 248,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,695,000 | 15,814,000 | 15,879,000 | 16,022,000 |
| Total capital | 15,975,000 | 16,094,000 | 16,159,000 | 16,302,000 |
| Risk-weighted assets | 67,539,000 | 65,078,000 | 65,448,000 | 65,863,000 |