Call reports 2015
CITIZENS FEDERAL SAVINGS BANK — 2015
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 201,894,000 | 202,687,000 | 204,324,000 | 201,154,000 |
| Total loans | 83,470,000 | 84,660,000 | 82,398,000 | 80,436,000 |
| Allowance for loan losses | 953,000 | 939,000 | 937,000 | 1,108,000 |
| Securities available for sale | 79,342,000 | 77,550,000 | 81,188,000 | 81,854,000 |
| Securities held to maturity | 13,228,000 | 11,231,000 | 11,231,000 | 11,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,094,000 | 138,037,000 | 139,503,000 | 137,068,000 |
| Interest-bearing deposits | 127,474,000 | 127,511,000 | 128,064,000 | 127,411,000 |
| Noninterest-bearing deposits | 9,620,000 | 10,526,000 | 11,439,000 | 9,657,000 |
| Equity capital | 37,331,000 | 37,145,000 | 37,432,000 | 37,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,406,000 | 2,822,000 | 4,205,000 | 5,580,000 |
| Interest expense | 372,000 | 747,000 | 1,123,000 | 1,497,000 |
| Net interest income | 1,034,000 | 2,075,000 | 3,082,000 | 4,083,000 |
| Noninterest income | 209,000 | 527,000 | 815,000 | 1,039,000 |
| Noninterest expense | 1,233,000 | 2,510,000 | 3,701,000 | 4,922,000 |
| Provision for loan losses | 86,000 | 70,000 | 71,000 | 249,000 |
| Pretax income | -61,000 | 37,000 | 140,000 | -18,000 |
| Income tax | 0 | 0 | 0 | -200,000 |
| Net income | -61,000 | 37,000 | 140,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,031,000 | 37,129,000 | 37,232,000 | 37,223,000 |
| Total capital | 37,984,000 | 38,068,000 | 38,169,000 | 38,214,000 |
| Risk-weighted assets | 82,149,000 | 82,668,000 | 81,292,000 | 79,155,000 |