Call reports 2017
CITIZENS FEDERAL SAVINGS BANK — 2017
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 198,113,000 | 196,857,000 | 195,913,000 | 191,308,000 |
| Total loans | 74,078,000 | 74,956,000 | 72,287,000 | 72,076,000 |
| Allowance for loan losses | 671,000 | 665,000 | 484,000 | 474,000 |
| Securities available for sale | 94,394,000 | 92,967,000 | 94,611,000 | 94,288,000 |
| Securities held to maturity | 7,153,000 | 7,142,000 | 6,955,000 | 6,747,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,330,000 | 136,685,000 | 135,689,000 | 131,594,000 |
| Interest-bearing deposits | 127,956,000 | 125,104,000 | 123,797,000 | 121,645,000 |
| Noninterest-bearing deposits | 10,374,000 | 11,581,000 | 11,892,000 | 9,949,000 |
| Equity capital | 37,996,000 | 38,362,000 | 38,445,000 | 37,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,705,000 | 4,087,000 | 5,434,000 |
| Interest expense | 277,000 | 552,000 | 823,000 | 1,087,000 |
| Net interest income | 1,041,000 | 2,153,000 | 3,264,000 | 4,347,000 |
| Noninterest income | 182,000 | 633,000 | 886,000 | 1,107,000 |
| Noninterest expense | 1,208,000 | 2,406,000 | 3,546,000 | 4,753,000 |
| Provision for loan losses | -136,000 | -142,000 | -73,000 | -81,000 |
| Pretax income | 153,000 | 524,000 | 679,000 | 786,000 |
| Income tax | 0 | 85,000 | 85,000 | 950,000 |
| Net income | 153,000 | 439,000 | 594,000 | -164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,076,000 | 38,368,000 | 38,515,000 | 37,762,000 |
| Total capital | 38,747,000 | 39,033,000 | 38,999,000 | 38,236,000 |
| Risk-weighted assets | 62,301,000 | 61,805,000 | 60,300,000 | 58,527,000 |