Call reports 2022
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2022
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 175,331,000 | 172,888,000 | 173,590,000 | 178,287,000 |
| Total loans | 129,461,000 | 131,953,000 | 134,636,000 | 137,322,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 26,826,000 | 25,892,000 | 22,997,000 | 22,925,000 |
| Securities held to maturity | 1,904,000 | 1,858,000 | 1,822,000 | 1,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,998,000 | 155,355,000 | 156,957,000 | 160,717,000 |
| Interest-bearing deposits | 152,359,000 | 151,319,000 | 152,836,000 | 156,650,000 |
| Noninterest-bearing deposits | 4,639,000 | 4,036,000 | 4,121,000 | 4,067,000 |
| Equity capital | 17,789,000 | 17,163,000 | 16,327,000 | 17,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,173,000 | 2,407,000 | 3,726,000 | 5,144,000 |
| Interest expense | 239,000 | 469,000 | 721,000 | 1,069,000 |
| Net interest income | 934,000 | 1,938,000 | 3,005,000 | 4,075,000 |
| Noninterest income | 54,000 | 107,000 | 157,000 | 607,000 |
| Noninterest expense | 862,000 | 1,716,000 | 2,593,000 | 3,588,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 126,000 | 329,000 | 547,000 | 1,072,000 |
| Income tax | 11,000 | 33,000 | 61,000 | 152,000 |
| Net income | 115,000 | 296,000 | 486,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,460,000 | 18,641,000 | 18,831,000 | 19,265,000 |
| Total capital | 18,760,000 | 18,941,000 | 19,131,000 | 19,565,000 |
| Risk-weighted assets | 85,847,000 | 87,616,000 | 89,119,000 | 91,077,000 |