Call reports 2020
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2020
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 144,594,000 | 155,536,000 | 158,850,000 | 161,562,000 |
| Total loans | 106,197,000 | 107,221,000 | 119,625,000 | 127,664,000 |
| Allowance for loan losses | 280,000 | 280,000 | 280,000 | 300,000 |
| Securities available for sale | 13,373,000 | 20,249,000 | 19,927,000 | 18,122,000 |
| Securities held to maturity | 4,643,000 | 4,216,000 | 3,789,000 | 3,491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,233,000 | 136,989,000 | 139,807,000 | 142,546,000 |
| Interest-bearing deposits | 123,661,000 | 134,059,000 | 136,665,000 | 139,719,000 |
| Noninterest-bearing deposits | 2,572,000 | 2,930,000 | 3,142,000 | 2,827,000 |
| Equity capital | 16,706,000 | 17,077,000 | 17,950,000 | 18,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,398,000 | 3,625,000 | 4,832,000 |
| Interest expense | 346,000 | 695,000 | 1,029,000 | 1,346,000 |
| Net interest income | 865,000 | 1,703,000 | 2,596,000 | 3,486,000 |
| Noninterest income | 101,000 | 391,000 | 586,000 | 785,000 |
| Noninterest expense | 960,000 | 1,785,000 | 3,670,000 | 4,427,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 6,000 | 309,000 | -488,000 | -150,000 |
| Income tax | -11,000 | 39,000 | -174,000 | -117,000 |
| Net income | 17,000 | 270,000 | -314,000 | -33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,728,000 | 17,981,000 | 17,396,000 | 17,678,000 |
| Total capital | 18,008,000 | 18,261,000 | 17,676,000 | 17,978,000 |
| Risk-weighted assets | 69,958,000 | 71,712,000 | 76,285,000 | 79,684,000 |