Call reports 2019
CITIZENS FEDERAL SAVINGS BANK — 2019
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 178,693,000 | 179,901,000 | 174,662,000 | 170,908,000 |
| Total loans | 86,680,000 | 90,996,000 | 87,802,000 | 93,995,000 |
| Allowance for loan losses | 487,000 | 492,000 | 495,000 | 497,000 |
| Securities available for sale | 67,823,000 | 65,269,000 | 64,462,000 | 60,182,000 |
| Securities held to maturity | 5,820,000 | 5,703,000 | 5,181,000 | 5,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,492,000 | 132,636,000 | 127,497,000 | 123,727,000 |
| Interest-bearing deposits | 120,111,000 | 121,531,000 | 115,214,000 | 112,533,000 |
| Noninterest-bearing deposits | 11,381,000 | 11,105,000 | 12,283,000 | 11,194,000 |
| Equity capital | 37,371,000 | 37,962,000 | 38,161,000 | 38,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 2,944,000 | 4,379,000 | 5,756,000 |
| Interest expense | 270,000 | 577,000 | 890,000 | 1,200,000 |
| Net interest income | 1,201,000 | 2,367,000 | 3,489,000 | 4,556,000 |
| Noninterest income | 162,000 | 523,000 | 892,000 | 1,174,000 |
| Noninterest expense | 1,281,000 | 2,599,000 | 3,935,000 | 5,241,000 |
| Provision for loan losses | 13,000 | 20,000 | 28,000 | 31,000 |
| Pretax income | 69,000 | 306,000 | 453,000 | 493,000 |
| Income tax | 18,000 | 86,000 | 123,000 | 133,000 |
| Net income | 51,000 | 220,000 | 330,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,916,000 | 38,079,000 | 38,182,000 | 38,212,000 |
| Total capital | 38,403,000 | 38,571,000 | 38,677,000 | 38,709,000 |
| Risk-weighted assets | 62,005,000 | 64,090,000 | 62,588,000 | 64,930,000 |