Call reports 2016
CITIZENS FEDERAL SAVINGS BANK — 2016
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 197,977,000 | 200,105,000 | 197,771,000 | 195,420,000 |
| Total loans | 78,516,000 | 79,254,000 | 74,993,000 | 74,704,000 |
| Allowance for loan losses | 838,000 | 775,000 | 726,000 | 757,000 |
| Securities available for sale | 81,496,000 | 85,437,000 | 91,499,000 | 92,699,000 |
| Securities held to maturity | 11,231,000 | 9,232,000 | 7,230,000 | 7,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,744,000 | 139,791,000 | 137,671,000 | 135,837,000 |
| Interest-bearing deposits | 127,249,000 | 128,269,000 | 127,217,000 | 126,406,000 |
| Noninterest-bearing deposits | 10,495,000 | 11,522,000 | 10,454,000 | 9,431,000 |
| Equity capital | 38,140,000 | 38,393,000 | 38,380,000 | 37,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,345,000 | 2,674,000 | 3,995,000 | 5,235,000 |
| Interest expense | 353,000 | 645,000 | 939,000 | 1,227,000 |
| Net interest income | 992,000 | 2,029,000 | 3,056,000 | 4,008,000 |
| Noninterest income | 310,000 | 649,000 | 963,000 | 1,199,000 |
| Noninterest expense | 1,265,000 | 2,750,000 | 3,992,000 | 5,232,000 |
| Provision for loan losses | -359,000 | -457,000 | -515,000 | -478,000 |
| Pretax income | 610,000 | 629,000 | 810,000 | 721,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 610,000 | 629,000 | 810,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,811,000 | 37,833,000 | 38,012,000 | 37,925,000 |
| Total capital | 38,649,000 | 38,608,000 | 38,738,000 | 38,682,000 |
| Risk-weighted assets | 76,718,000 | 75,799,000 | 73,391,000 | 63,650,000 |