Call reports 2014
CITIZENS FEDERAL SAVINGS BANK — 2014
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 199,712,000 | 199,084,000 | 200,020,000 | 197,897,000 |
| Total loans | 75,779,000 | 82,046,000 | 83,512,000 | 84,529,000 |
| Allowance for loan losses | 944,000 | 891,000 | 912,000 | 894,000 |
| Securities available for sale | 88,101,000 | 86,258,000 | 81,420,000 | 79,121,000 |
| Securities held to maturity | 9,230,000 | 9,230,000 | 11,228,000 | 11,228,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,664,000 | 134,576,000 | 135,615,000 | 133,317,000 |
| Interest-bearing deposits | 126,487,000 | 124,843,000 | 124,468,000 | 125,569,000 |
| Noninterest-bearing deposits | 9,177,000 | 9,733,000 | 11,147,000 | 7,748,000 |
| Equity capital | 36,467,000 | 36,874,000 | 36,852,000 | 37,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,800,000 | 4,275,000 | 5,730,000 |
| Interest expense | 455,000 | 880,000 | 1,283,000 | 1,674,000 |
| Net interest income | 922,000 | 1,920,000 | 2,992,000 | 4,056,000 |
| Noninterest income | 167,000 | 328,000 | 515,000 | 741,000 |
| Noninterest expense | 1,279,000 | 2,568,000 | 3,803,000 | 5,046,000 |
| Provision for loan losses | 25,000 | 46,000 | 118,000 | 110,000 |
| Pretax income | -48,000 | -199,000 | -130,000 | -73,000 |
| Income tax | -90,000 | -160,000 | -160,000 | -160,000 |
| Net income | 42,000 | -39,000 | 30,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,046,000 | 36,965,000 | 37,034,000 | 37,091,000 |
| Total capital | 37,990,000 | 37,856,000 | 37,946,000 | 37,985,000 |
| Risk-weighted assets | 84,517,000 | 73,457,000 | 73,090,000 | 72,436,000 |