Call reports 2013
CITIZENS FEDERAL SAVINGS BANK — 2013
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 200,171,000 | 198,620,000 | 199,684,000 | 197,771,000 |
| Total loans | 82,983,000 | 80,852,000 | 78,582,000 | 75,965,000 |
| Allowance for loan losses | 488,000 | 1,114,000 | 1,051,000 | 954,000 |
| Securities available for sale | 99,354,000 | 101,089,000 | 99,113,000 | 92,012,000 |
| Securities held to maturity | 186,000 | 177,000 | 0 | 9,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,037,000 | 134,203,000 | 135,168,000 | 134,399,000 |
| Interest-bearing deposits | 127,227,000 | 126,030,000 | 126,380,000 | 126,386,000 |
| Noninterest-bearing deposits | 6,810,000 | 8,173,000 | 8,788,000 | 8,013,000 |
| Equity capital | 37,797,000 | 36,010,000 | 36,198,000 | 35,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,433,000 | 2,818,000 | 4,178,000 | 5,553,000 |
| Interest expense | 509,000 | 1,007,000 | 1,507,000 | 1,987,000 |
| Net interest income | 924,000 | 1,811,000 | 2,671,000 | 3,566,000 |
| Noninterest income | 455,000 | 1,024,000 | 1,426,000 | 1,668,000 |
| Noninterest expense | 1,339,000 | 2,617,000 | 3,851,000 | 5,121,000 |
| Provision for loan losses | 18,000 | 646,000 | 586,000 | 547,000 |
| Pretax income | 22,000 | -424,000 | -318,000 | -339,000 |
| Income tax | 0 | -272,000 | -272,000 | -272,000 |
| Net income | 22,000 | -152,000 | -46,000 | -67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,093,000 | 36,919,000 | 37,025,000 | 37,005,000 |
| Total capital | 37,581,000 | 37,992,000 | 38,076,000 | 37,959,000 |
| Risk-weighted assets | 84,720,000 | 85,859,000 | 85,241,000 | 84,395,000 |