Call reports 2024
CFSBANK — 2024
What CFSBANK 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 | 632,609,000 | 669,606,000 | 739,391,000 | 729,240,000 |
| Total loans | 416,058,000 | 417,892,000 | 426,083,000 | 437,776,000 |
| Allowance for loan losses | 2,629,000 | 2,641,000 | 2,645,000 | 2,636,000 |
| Securities available for sale | 131,464,000 | 167,054,000 | 220,043,000 | 206,983,000 |
| Securities held to maturity | 35,768,000 | 34,115,000 | 32,565,000 | 31,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,582,000 | 558,725,000 | 587,242,000 | 607,605,000 |
| Interest-bearing deposits | 417,821,000 | 459,981,000 | 494,528,000 | 512,390,000 |
| Noninterest-bearing deposits | 102,761,000 | 98,744,000 | 92,714,000 | 95,215,000 |
| Equity capital | 67,396,000 | 66,935,000 | 70,993,000 | 68,321,000 |
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 | 5,842,000 | 11,992,000 | 18,692,000 | 26,079,000 |
| Interest expense | 3,026,000 | 6,302,000 | 10,018,000 | 14,275,000 |
| Net interest income | 2,816,000 | 5,690,000 | 8,674,000 | 11,804,000 |
| Noninterest income | 586,000 | 1,422,000 | 2,662,000 | 3,681,000 |
| Noninterest expense | 3,360,000 | 7,261,000 | 11,317,000 | 15,658,000 |
| Provision for loan losses | 183,000 | 183,000 | 183,000 | 183,000 |
| Pretax income | 254,000 | 63,000 | 231,000 | 39,000 |
| Income tax | 36,000 | -66,000 | -6,000 | -463,000 |
| Net income | 218,000 | 129,000 | 237,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,400,000 | 81,113,000 | 81,225,000 | 80,867,000 |
| Total capital | 84,029,000 | 83,755,000 | 83,870,000 | 83,503,000 |
| Risk-weighted assets | 354,322,000 | 365,411,000 | 371,199,000 | 375,917,000 |