Call reports 2026
CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION — 2026
What CITIZENS FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 186,592,000 | 186,142,000 |
| Total loans | 145,893,000 | 147,242,000 |
| Allowance for loan losses | 300,000 | 300,000 |
| Securities available for sale | 26,088,000 | 25,248,000 |
| Securities held to maturity | 337,000 | 325,000 |
| Trading assets | 0 | 0 |
| Total deposits | 165,288,000 | 161,321,000 |
| Interest-bearing deposits | 160,972,000 | 157,449,000 |
| Noninterest-bearing deposits | 4,316,000 | 3,872,000 |
| Equity capital | 18,956,000 | 19,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,991,000 | 4,035,000 |
| Interest expense | 842,000 | 1,700,000 |
| Net interest income | 1,149,000 | 2,335,000 |
| Noninterest income | 65,000 | 198,000 |
| Noninterest expense | 1,037,000 | 2,060,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 177,000 | 473,000 |
| Income tax | 14,000 | 52,000 |
| Net income | 163,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 20,064,000 | 20,322,000 |
| Total capital | 20,364,000 | 20,622,000 |
| Risk-weighted assets | 99,931,000 | 100,863,000 |