Call reports 2019
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2019
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 133,954,000 | 135,812,000 | 135,326,000 | 136,945,000 |
| Total loans | 94,083,000 | 95,922,000 | 99,233,000 | 102,493,000 |
| Allowance for loan losses | 280,000 | 280,000 | 280,000 | 280,000 |
| Securities available for sale | 16,317,000 | 15,504,000 | 14,441,000 | 13,866,000 |
| Securities held to maturity | 6,522,000 | 6,173,000 | 6,029,000 | 5,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,398,000 | 118,236,000 | 117,301,000 | 118,860,000 |
| Interest-bearing deposits | 114,139,000 | 116,176,000 | 115,489,000 | 117,256,000 |
| Noninterest-bearing deposits | 2,259,000 | 2,060,000 | 1,812,000 | 1,604,000 |
| Equity capital | 16,189,000 | 16,418,000 | 16,531,000 | 16,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,178,000 | 2,391,000 | 3,620,000 | 4,837,000 |
| Interest expense | 262,000 | 561,000 | 881,000 | 1,195,000 |
| Net interest income | 916,000 | 1,830,000 | 2,739,000 | 3,642,000 |
| Noninterest income | 90,000 | 149,000 | 192,000 | 269,000 |
| Noninterest expense | 894,000 | 1,776,000 | 2,616,000 | 3,469,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 206,000 | 318,000 | 445,000 |
| Income tax | 8,000 | 13,000 | 23,000 | 37,000 |
| Net income | 104,000 | 193,000 | 295,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,407,000 | 17,496,000 | 17,598,000 | 17,710,000 |
| Total capital | 17,687,000 | 17,776,000 | 17,878,000 | 17,990,000 |
| Risk-weighted assets | 63,705,000 | 64,268,000 | 64,835,000 | 66,171,000 |