Call reports 2021
CITIZENS FEDERAL SAVINGS BANK — 2021
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 192,009,000 | 191,387,000 | 190,527,000 | 192,285,000 |
| Total loans | 94,911,000 | 100,642,000 | 100,585,000 | 112,443,000 |
| Allowance for loan losses | 493,000 | 487,000 | 490,000 | 490,000 |
| Securities available for sale | 75,717,000 | 74,898,000 | 69,824,000 | 64,809,000 |
| Securities held to maturity | 2,927,000 | 2,899,000 | 2,863,000 | 2,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,056,000 | 142,661,000 | 141,649,000 | 142,761,000 |
| Interest-bearing deposits | 127,273,000 | 126,821,000 | 126,142,000 | 128,116,000 |
| Noninterest-bearing deposits | 16,783,000 | 15,840,000 | 15,507,000 | 14,645,000 |
| Equity capital | 38,564,000 | 39,103,000 | 39,443,000 | 39,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,298,000 | 2,603,000 | 3,872,000 | 5,177,000 |
| Interest expense | 197,000 | 376,000 | 549,000 | 714,000 |
| Net interest income | 1,101,000 | 2,227,000 | 3,323,000 | 4,463,000 |
| Noninterest income | 491,000 | 740,000 | 950,000 | 1,138,000 |
| Noninterest expense | 1,346,000 | 2,856,000 | 4,133,000 | 5,487,000 |
| Provision for loan losses | -13,000 | -12,000 | -8,000 | -6,000 |
| Pretax income | 259,000 | 123,000 | 237,000 | 221,000 |
| Income tax | 54,000 | 16,000 | 39,000 | -321,000 |
| Net income | 205,000 | 107,000 | 198,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,790,000 | 38,697,000 | 38,750,000 | 39,098,000 |