Call reports 2024
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2024
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 180,117,000 | 179,866,000 | 184,418,000 | 185,131,000 |
| Total loans | 137,612,000 | 139,270,000 | 141,203,000 | 142,273,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 27,147,000 | 27,490,000 | 28,525,000 | 27,670,000 |
| Securities held to maturity | 741,000 | 721,000 | 702,000 | 682,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,054,000 | 160,895,000 | 165,615,000 | 167,311,000 |
| Interest-bearing deposits | 158,510,000 | 157,740,000 | 160,996,000 | 163,394,000 |
| Noninterest-bearing deposits | 3,544,000 | 3,155,000 | 4,619,000 | 3,917,000 |
| Equity capital | 17,656,000 | 17,491,000 | 18,148,000 | 17,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,615,000 | 3,338,000 | 5,109,000 | 6,935,000 |
| Interest expense | 878,000 | 1,840,000 | 2,831,000 | 3,765,000 |
| Net interest income | 737,000 | 1,498,000 | 2,278,000 | 3,170,000 |
| Noninterest income | 52,000 | 110,000 | 167,000 | 217,000 |
| Noninterest expense | 902,000 | 1,793,000 | 2,696,000 | 3,589,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -101,000 | -173,000 | -239,000 | -190,000 |
| Income tax | -41,000 | -77,000 | -111,000 | -139,000 |
| Net income | -60,000 | -96,000 | -128,000 | -51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,159,000 | 19,123,000 | 19,091,000 | 19,168,000 |
| Total capital | 19,459,000 | 19,423,000 | 19,391,000 | 19,468,000 |
| Risk-weighted assets | 92,335,000 | 93,088,000 | 94,485,000 | 95,271,000 |