Call reports 2012
CITIZENS FEDERAL SAVINGS BANK — 2012
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 197,281,000 | 197,324,000 | 197,939,000 | 195,723,000 |
| Total loans | 93,377,000 | 89,803,000 | 87,650,000 | 85,479,000 |
| Allowance for loan losses | 283,000 | 243,000 | 337,000 | 494,000 |
| Securities available for sale | 83,937,000 | 91,109,000 | 97,968,000 | 97,117,000 |
| Securities held to maturity | 237,000 | 228,000 | 219,000 | 194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,869,000 | 129,569,000 | 130,922,000 | 129,134,000 |
| Interest-bearing deposits | 124,822,000 | 124,234,000 | 124,074,000 | 123,404,000 |
| Noninterest-bearing deposits | 5,047,000 | 5,335,000 | 6,848,000 | 5,730,000 |
| Equity capital | 37,472,000 | 37,745,000 | 38,146,000 | 38,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,459,000 | 5,143,000 | 6,671,000 |
| Interest expense | 565,000 | 1,115,000 | 1,661,000 | 2,193,000 |
| Net interest income | 1,236,000 | 2,344,000 | 3,482,000 | 4,478,000 |
| Noninterest income | 599,000 | 1,531,000 | 2,124,000 | 2,725,000 |
| Noninterest expense | 1,361,000 | 2,806,000 | 4,090,000 | 5,602,000 |
| Provision for loan losses | 5,000 | 159,000 | 328,000 | 541,000 |
| Pretax income | 491,000 | 932,000 | 1,210,000 | 1,082,000 |
| Income tax | 170,000 | 338,000 | 432,000 | 349,000 |
| Net income | 321,000 | 594,000 | 778,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,659,000 | 36,932,000 | 37,116,000 | 37,071,000 |
| Total capital | 36,942,000 | 37,175,000 | 37,453,000 | 37,565,000 |
| Risk-weighted assets | 87,104,000 | 85,333,000 | 84,695,000 | 84,892,000 |