Call reports 2015
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2015
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 34,967,000 | 34,613,000 | 34,519,000 | 35,211,000 |
| Total loans | 19,360,000 | 19,386,000 | 19,309,000 | 19,919,000 |
| Allowance for loan losses | 286,000 | 286,000 | 286,000 | 286,000 |
| Securities available for sale | 0 | 0 | 6,041,000 | 7,401,000 |
| Securities held to maturity | 10,516,000 | 7,840,000 | 5,843,000 | 4,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,475,000 | 23,013,000 | 22,846,000 | 22,202,000 |
| Interest-bearing deposits | 23,414,000 | 22,921,000 | 22,733,000 | 22,173,000 |
| Noninterest-bearing deposits | 61,000 | 92,000 | 113,000 | 29,000 |
| Equity capital | 9,575,000 | 9,614,000 | 9,695,000 | 9,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 700,000 | 1,019,000 | 1,373,000 |
| Interest expense | 65,000 | 129,000 | 194,000 | 260,000 |
| Net interest income | 278,000 | 571,000 | 825,000 | 1,113,000 |
| Noninterest income | 10,000 | 19,000 | 29,000 | 39,000 |
| Noninterest expense | 259,000 | 501,000 | 736,000 | 997,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 24,000 | 84,000 | 113,000 | 150,000 |
| Income tax | 2,000 | 23,000 | 20,000 | 12,000 |
| Net income | 22,000 | 61,000 | 93,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,575,000 | 9,614,000 | 9,695,000 | 9,729,000 |
| Total capital | 9,761,000 | 9,800,000 | 9,887,000 | 9,922,000 |
| Risk-weighted assets | 14,833,000 | 14,810,000 | 15,269,000 | 15,360,000 |