Call reports 2013
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2013
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,052,000 | 35,334,000 | 35,731,000 | 35,937,000 |
| Total loans | 20,020,000 | 19,793,000 | 19,552,000 | 18,972,000 |
| Allowance for loan losses | 241,000 | 249,000 | 256,000 | 264,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,012,000 | 11,513,000 | 12,511,000 | 13,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,327,000 | 24,575,000 | 25,027,000 | 24,251,000 |
| Interest-bearing deposits | 25,286,000 | 24,512,000 | 24,948,000 | 24,221,000 |
| Noninterest-bearing deposits | 41,000 | 63,000 | 79,000 | 30,000 |
| Equity capital | 9,276,000 | 9,309,000 | 9,351,000 | 9,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 337,000 | 666,000 | 989,000 | 1,318,000 |
| Interest expense | 66,000 | 130,000 | 195,000 | 259,000 |
| Net interest income | 271,000 | 536,000 | 794,000 | 1,059,000 |
| Noninterest income | 19,000 | 30,000 | 40,000 | 53,000 |
| Noninterest expense | 221,000 | 440,000 | 650,000 | 868,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 62,000 | 111,000 | 162,000 | 214,000 |
| Income tax | 10,000 | 26,000 | 35,000 | 58,000 |
| Net income | 52,000 | 85,000 | 127,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,276,000 | 9,309,000 | 9,351,000 | 9,380,000 |
| Total capital | 9,478,000 | 9,503,000 | 9,545,000 | 9,571,000 |
| Risk-weighted assets | 16,103,000 | 15,451,000 | 15,464,000 | 15,185,000 |
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