Call reports 2014
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2014
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 36,138,000 | 36,088,000 | 35,518,000 | 35,389,000 |
| Total loans | 19,168,000 | 19,169,000 | 19,533,000 | 19,673,000 |
| Allowance for loan losses | 272,000 | 266,000 | 274,000 | 281,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,475,000 | 12,964,000 | 12,421,000 | 10,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,480,000 | 24,377,000 | 23,814,000 | 23,860,000 |
| Interest-bearing deposits | 24,425,000 | 24,293,000 | 23,694,000 | 23,806,000 |
| Noninterest-bearing deposits | 55,000 | 84,000 | 120,000 | 54,000 |
| Equity capital | 9,440,000 | 9,498,000 | 9,551,000 | 9,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 682,000 | 1,013,000 | 1,358,000 |
| Interest expense | 67,000 | 135,000 | 202,000 | 269,000 |
| Net interest income | 273,000 | 547,000 | 811,000 | 1,089,000 |
| Noninterest income | 10,000 | 20,000 | 31,000 | 41,000 |
| Noninterest expense | 196,000 | 393,000 | 577,000 | 852,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 79,000 | 159,000 | 242,000 | 248,000 |
| Income tax | 19,000 | 41,000 | 71,000 | 75,000 |
| Net income | 60,000 | 118,000 | 171,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,440,000 | 9,498,000 | 9,551,000 | 9,553,000 |
| Total capital | 9,631,000 | 9,688,000 | 9,740,000 | 9,742,000 |
| Risk-weighted assets | 15,182,000 | 15,146,000 | 15,038,000 | 15,015,000 |
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