Call reports 2018
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2018
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 136,034,000 | 134,874,000 | 135,133,000 | 133,913,000 |
| Total loans | 101,309,000 | 99,853,000 | 97,493,000 | 95,224,000 |
| Allowance for loan losses | 280,000 | 280,000 | 280,000 | 280,000 |
| Securities available for sale | 14,353,000 | 14,324,000 | 15,069,000 | 16,524,000 |
| Securities held to maturity | 8,238,000 | 8,042,000 | 7,855,000 | 6,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,281,000 | 118,168,000 | 118,230,000 | 116,759,000 |
| Interest-bearing deposits | 116,891,000 | 115,984,000 | 115,779,000 | 114,326,000 |
| Noninterest-bearing deposits | 2,390,000 | 2,184,000 | 2,451,000 | 2,433,000 |
| Equity capital | 15,278,000 | 15,559,000 | 15,675,000 | 15,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,139,000 | 2,272,000 | 3,435,000 | 4,620,000 |
| Interest expense | 220,000 | 443,000 | 674,000 | 915,000 |
| Net interest income | 919,000 | 1,829,000 | 2,761,000 | 3,705,000 |
| Noninterest income | 48,000 | 177,000 | 279,000 | 335,000 |
| Noninterest expense | 894,000 | 1,760,000 | 2,600,000 | 3,460,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 65,000 | 238,000 | 432,000 | 572,000 |
| Income tax | -3,000 | 18,000 | 43,000 | 56,000 |
| Net income | 68,000 | 220,000 | 389,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,855,000 | 17,007,000 | 17,176,000 | 17,303,000 |
| Total capital | 17,135,000 | 17,287,000 | 17,456,000 | 17,583,000 |
| Risk-weighted assets | 65,656,000 | 64,673,000 | 64,753,000 | 63,659,000 |