Call reports 2017
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2017
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 136,008,000 | 136,417,000 | 136,064,000 | 137,091,000 |
| Total loans | 101,961,000 | 101,153,000 | 101,004,000 | 102,836,000 |
| Allowance for loan losses | 280,000 | 280,000 | 280,000 | 280,000 |
| Securities available for sale | 13,149,000 | 14,709,000 | 15,122,000 | 14,568,000 |
| Securities held to maturity | 10,919,000 | 9,461,000 | 9,216,000 | 8,686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,249,000 | 119,858,000 | 119,355,000 | 120,379,000 |
| Interest-bearing deposits | 116,639,000 | 117,363,000 | 117,177,000 | 117,935,000 |
| Noninterest-bearing deposits | 2,610,000 | 2,495,000 | 2,178,000 | 2,444,000 |
| Equity capital | 14,581,000 | 14,717,000 | 14,828,000 | 15,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,097,000 | 2,203,000 | 3,352,000 | 4,479,000 |
| Interest expense | 185,000 | 377,000 | 585,000 | 802,000 |
| Net interest income | 912,000 | 1,826,000 | 2,767,000 | 3,677,000 |
| Noninterest income | 74,000 | 155,000 | 240,000 | 314,000 |
| Noninterest expense | 875,000 | 1,741,000 | 2,621,000 | 3,469,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 111,000 | 265,000 | 411,000 | 547,000 |
| Income tax | 8,000 | 30,000 | 66,000 | 28,000 |
| Net income | 103,000 | 235,000 | 345,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,125,000 | 16,257,000 | 16,367,000 | 16,787,000 |
| Total capital | 16,405,000 | 16,537,000 | 16,647,000 | 17,067,000 |
| Risk-weighted assets | 66,157,000 | 66,075,000 | 65,589,000 | 66,244,000 |