Call reports 2022
CITIZENS FEDERAL SAVINGS BANK — 2022
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 192,944,000 | 188,742,000 | 187,857,000 | 180,572,000 |
| Total loans | 113,967,000 | 113,523,000 | 112,818,000 | 114,862,000 |
| Allowance for loan losses | 489,000 | 488,000 | 460,000 | 459,000 |
| Securities available for sale | 55,056,000 | 48,277,000 | 47,042,000 | 45,697,000 |
| Securities held to maturity | 1,082,000 | 790,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,484,000 | 145,184,000 | 144,953,000 | 137,472,000 |
| Interest-bearing deposits | 130,946,000 | 129,219,000 | 127,870,000 | 123,008,000 |
| Noninterest-bearing deposits | 15,538,000 | 15,965,000 | 17,083,000 | 14,464,000 |
| Equity capital | 36,763,000 | 34,073,000 | 33,620,000 | 33,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,570,000 | 3,964,000 | 5,454,000 |
| Interest expense | 158,000 | 314,000 | 475,000 | 663,000 |
| Net interest income | 1,115,000 | 2,256,000 | 3,489,000 | 4,791,000 |
| Noninterest income | 149,000 | 303,000 | 461,000 | 621,000 |
| Noninterest expense | 1,270,000 | 2,506,000 | 3,674,000 | 4,891,000 |
| Provision for loan losses | 0 | 0 | -20,000 | -20,000 |
| Pretax income | 48,000 | 107,000 | 350,000 | 595,000 |
| Income tax | 7,000 | 7,000 | 49,000 | 72,000 |
| Net income | 41,000 | 100,000 | 301,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,136,000 | 39,198,000 | 39,317,000 | 39,526,000 |