Call reports 2012
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2012
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 35,175,000 | 34,357,000 | 35,871,000 | 35,863,000 |
| Total loans | 19,870,000 | 19,911,000 | 19,881,000 | 20,034,000 |
| Allowance for loan losses | 202,000 | 217,000 | 232,000 | 234,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,030,000 | 10,929,000 | 12,517,000 | 12,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,459,000 | 24,583,000 | 25,002,000 | 25,029,000 |
| Interest-bearing deposits | 25,441,000 | 24,555,000 | 24,956,000 | 25,011,000 |
| Noninterest-bearing deposits | 18,000 | 28,000 | 46,000 | 18,000 |
| Equity capital | 9,077,000 | 9,152,000 | 9,188,000 | 9,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 390,000 | 764,000 | 1,119,000 | 1,464,000 |
| Interest expense | 83,000 | 158,000 | 235,000 | 301,000 |
| Net interest income | 307,000 | 606,000 | 884,000 | 1,163,000 |
| Noninterest income | 11,000 | 23,000 | 35,000 | 42,000 |
| Noninterest expense | 224,000 | 426,000 | 630,000 | 835,000 |
| Provision for loan losses | 15,000 | 31,000 | 46,000 | 60,000 |
| Pretax income | 79,000 | 172,000 | 243,000 | 310,000 |
| Income tax | 18,000 | 36,000 | 71,000 | 102,000 |
| Net income | 61,000 | 136,000 | 172,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,077,000 | 9,152,000 | 9,188,000 | 9,224,000 |
| Total capital | 9,279,000 | 9,355,000 | 9,394,000 | 9,430,000 |
| Risk-weighted assets | 16,229,000 | 16,246,000 | 16,471,000 | 16,445,000 |