Call reports 2023
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2023
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 177,989,000 | 175,600,000 | 175,532,000 | 176,316,000 |
| Total loans | 136,692,000 | 136,820,000 | 137,844,000 | 137,225,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 23,506,000 | 23,215,000 | 22,090,000 | 23,315,000 |
| Securities held to maturity | 1,138,000 | 1,113,000 | 1,086,000 | 765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,980,000 | 157,828,000 | 158,501,000 | 158,104,000 |
| Interest-bearing deposits | 156,047,000 | 153,346,000 | 154,517,000 | 154,453,000 |
| Noninterest-bearing deposits | 3,933,000 | 4,482,000 | 3,984,000 | 3,651,000 |
| Equity capital | 17,703,000 | 17,461,000 | 16,628,000 | 17,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,458,000 | 2,940,000 | 4,466,000 | 6,052,000 |
| Interest expense | 495,000 | 1,096,000 | 1,787,000 | 2,596,000 |
| Net interest income | 963,000 | 1,844,000 | 2,679,000 | 3,456,000 |
| Noninterest income | 59,000 | 126,000 | 187,000 | 238,000 |
| Noninterest expense | 1,023,000 | 2,006,000 | 2,961,000 | 3,845,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | -36,000 | -95,000 | -151,000 |
| Income tax | -18,000 | -44,000 | -75,000 | -105,000 |
| Net income | 17,000 | 8,000 | -20,000 | -46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,282,000 | 19,272,000 | 19,245,000 | 19,219,000 |
| Total capital | 19,582,000 | 19,572,000 | 19,545,000 | 19,519,000 |
| Risk-weighted assets | 90,713,000 | 90,391,000 | 91,219,000 | 91,228,000 |