Call reports 2023
CITIZENS FEDERAL SAVINGS BANK — 2023
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 183,382,000 | 184,342,000 | 182,446,000 | 184,500,000 |
| Total loans | 115,593,000 | 117,485,000 | 121,877,000 | 124,831,000 |
| Allowance for loan losses | 444,000 | 418,000 | 392,000 | 385,000 |
| Securities available for sale | 45,108,000 | 43,740,000 | 41,678,000 | 42,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,606,000 | 140,263,000 | 137,031,000 | 137,773,000 |
| Interest-bearing deposits | 124,487,000 | 125,870,000 | 122,562,000 | 123,699,000 |
| Noninterest-bearing deposits | 15,119,000 | 14,393,000 | 14,469,000 | 14,074,000 |
| Equity capital | 34,327,000 | 34,289,000 | 33,576,000 | 34,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,486,000 | 3,075,000 | 4,657,000 | 6,301,000 |
| Interest expense | 266,000 | 665,000 | 1,116,000 | 1,642,000 |
| Net interest income | 1,220,000 | 2,410,000 | 3,541,000 | 4,659,000 |
| Noninterest income | 156,000 | 314,000 | 485,000 | 650,000 |
| Noninterest expense | 1,264,000 | 2,486,000 | 3,755,000 | 5,049,000 |
| Provision for loan losses | 8,000 | -17,000 | -34,000 | -37,000 |
| Pretax income | 104,000 | 183,000 | 198,000 | 224,000 |
| Income tax | 17,000 | 10,000 | 9,000 | 8,000 |
| Net income | 87,000 | 173,000 | 189,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,614,000 | 38,019,000 | 37,936,000 | 37,869,000 |