Call reports 2018
CITIZENS FEDERAL SAVINGS BANK — 2018
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 189,739,000 | 184,261,000 | 177,280,000 | 171,788,000 |
| Total loans | 70,847,000 | 76,826,000 | 81,396,000 | 83,948,000 |
| Allowance for loan losses | 460,000 | 452,000 | 450,000 | 474,000 |
| Securities available for sale | 89,455,000 | 84,324,000 | 75,571,000 | 71,733,000 |
| Securities held to maturity | 6,644,000 | 6,460,000 | 6,259,000 | 6,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,991,000 | 131,017,000 | 128,247,000 | 124,737,000 |
| Interest-bearing deposits | 120,363,000 | 119,585,000 | 116,782,000 | 115,068,000 |
| Noninterest-bearing deposits | 10,628,000 | 11,432,000 | 11,465,000 | 9,669,000 |
| Equity capital | 37,223,000 | 36,842,000 | 36,850,000 | 37,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,395,000 | 2,783,000 | 4,178,000 | 5,601,000 |
| Interest expense | 249,000 | 486,000 | 704,000 | 941,000 |
| Net interest income | 1,146,000 | 2,297,000 | 3,474,000 | 4,660,000 |
| Noninterest income | 204,000 | 378,000 | 539,000 | 715,000 |
| Noninterest expense | 1,228,000 | 2,532,000 | 3,802,000 | 5,084,000 |
| Provision for loan losses | -11,000 | -19,000 | -19,000 | 122,000 |
| Pretax income | 140,000 | 169,000 | 238,000 | 177,000 |
| Income tax | 0 | 0 | 0 | 92,000 |
| Net income | 140,000 | 169,000 | 238,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,971,000 | 37,996,000 | 38,055,000 | 37,843,000 |
| Total capital | 38,431,000 | 38,448,000 | 38,505,000 | 38,317,000 |
| Risk-weighted assets | 58,326,000 | 59,430,000 | 60,378,000 | 60,261,000 |