Call reports 2024
CITIZENS FEDERAL SAVINGS BANK — 2024
What CITIZENS FEDERAL SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 185,636,000 | 189,197,000 | 189,160,000 | 187,947,000 |
| Total loans | 125,162,000 | 131,296,000 | 132,538,000 | 133,140,000 |
| Allowance for loan losses | 365,000 | 398,000 | 382,000 | 385,000 |
| Securities available for sale | 40,748,000 | 39,941,000 | 40,203,000 | 37,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,970,000 | 142,061,000 | 138,471,000 | 136,372,000 |
| Interest-bearing deposits | 126,303,000 | 128,921,000 | 123,622,000 | 123,894,000 |
| Noninterest-bearing deposits | 12,667,000 | 13,140,000 | 14,849,000 | 12,478,000 |
| Equity capital | 34,634,000 | 34,933,000 | 36,082,000 | 35,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,681,000 | 3,469,000 | 5,286,000 | 7,098,000 |
| Interest expense | 574,000 | 1,224,000 | 1,870,000 | 2,485,000 |
| Net interest income | 1,107,000 | 2,245,000 | 3,416,000 | 4,613,000 |
| Noninterest income | 155,000 | 300,000 | 459,000 | 645,000 |
| Noninterest expense | 1,242,000 | 2,462,000 | 3,730,000 | 4,966,000 |
| Provision for loan losses | 14,000 | 47,000 | 54,000 | 57,000 |
| Pretax income | 12,000 | 39,000 | 123,000 | 244,000 |
| Income tax | -3,000 | -3,000 | 2,000 | 16,000 |
| Net income | 15,000 | 42,000 | 121,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,885,000 | 37,917,000 | 37,989,000 | 38,104,000 |