Call reports 2021
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2021
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 166,036,000 | 168,065,000 | 170,056,000 | 175,315,000 |
| Total loans | 130,595,000 | 129,672,000 | 129,720,000 | 127,828,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 17,398,000 | 16,999,000 | 16,284,000 | 22,755,000 |
| Securities held to maturity | 3,371,000 | 2,364,000 | 2,296,000 | 1,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,861,000 | 147,708,000 | 149,536,000 | 155,864,000 |
| Interest-bearing deposits | 142,734,000 | 144,460,000 | 146,289,000 | 152,229,000 |
| Noninterest-bearing deposits | 3,127,000 | 3,248,000 | 3,247,000 | 3,635,000 |
| Equity capital | 18,342,000 | 18,495,000 | 18,581,000 | 18,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,393,000 | 3,556,000 | 4,708,000 |
| Interest expense | 288,000 | 557,000 | 827,000 | 1,078,000 |
| Net interest income | 919,000 | 1,836,000 | 2,729,000 | 3,630,000 |
| Noninterest income | 131,000 | 223,000 | 343,000 | 440,000 |
| Noninterest expense | 827,000 | 1,645,000 | 2,504,000 | 3,330,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 223,000 | 453,000 | 607,000 | 779,000 |
| Income tax | 33,000 | 69,000 | 88,000 | 112,000 |
| Net income | 190,000 | 384,000 | 519,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,869,000 | 18,063,000 | 18,197,000 | 18,345,000 |
| Total capital | 18,169,000 | 18,363,000 | 18,497,000 | 18,645,000 |
| Risk-weighted assets | 82,009,000 | 82,037,000 | 82,444,000 | 83,585,000 |