Call reports 2020
CITIZENS FEDERAL SAVINGS BANK — 2020
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 181,958,000 | 184,101,000 | 185,562,000 | 185,784,000 |
| Total loans | 97,943,000 | 103,254,000 | 102,518,000 | 100,891,000 |
| Allowance for loan losses | 497,000 | 513,000 | 509,000 | 505,000 |
| Securities available for sale | 57,829,000 | 59,104,000 | 58,049,000 | 67,035,000 |
| Securities held to maturity | 5,089,000 | 4,457,000 | 3,047,000 | 3,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,379,000 | 134,829,000 | 136,287,000 | 136,250,000 |
| Interest-bearing deposits | 116,755,000 | 120,989,000 | 121,985,000 | 123,288,000 |
| Noninterest-bearing deposits | 11,624,000 | 13,840,000 | 14,302,000 | 12,962,000 |
| Equity capital | 37,776,000 | 38,977,000 | 39,300,000 | 39,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,363,000 | 2,693,000 | 4,044,000 | 5,347,000 |
| Interest expense | 299,000 | 560,000 | 786,000 | 999,000 |
| Net interest income | 1,064,000 | 2,133,000 | 3,258,000 | 4,348,000 |
| Noninterest income | 164,000 | 455,000 | 858,000 | 1,409,000 |
| Noninterest expense | 1,303,000 | 2,587,000 | 3,882,000 | 5,253,000 |
| Provision for loan losses | 2,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | -4,000 | 56,000 | 300,000 | 570,000 |
| Income tax | 0 | 13,000 | 66,000 | 126,000 |
| Net income | -4,000 | 43,000 | 234,000 | 444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,190,000 | 38,226,000 | 38,396,000 | 38,597,000 |