Call reports 2016
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2016
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 35,410,000 | 37,169,000 | 37,578,000 | 37,134,000 |
| Total loans | 19,992,000 | 20,364,000 | 20,951,000 | 21,785,000 |
| Allowance for loan losses | 286,000 | 286,000 | 286,000 | 286,000 |
| Securities available for sale | 8,991,000 | 7,851,000 | 8,423,000 | 8,506,000 |
| Securities held to maturity | 3,050,000 | 1,479,000 | 1,002,000 | 1,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,274,000 | 22,715,000 | 23,147,000 | 23,247,000 |
| Interest-bearing deposits | 22,219,000 | 22,609,000 | 23,024,000 | 23,221,000 |
| Noninterest-bearing deposits | 55,000 | 106,000 | 123,000 | 26,000 |
| Equity capital | 9,946,000 | 10,340,000 | 10,405,000 | 10,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 715,000 | 1,068,000 | 1,411,000 |
| Interest expense | 71,000 | 143,000 | 221,000 | 300,000 |
| Net interest income | 269,000 | 572,000 | 847,000 | 1,111,000 |
| Noninterest income | 10,000 | 21,000 | 31,000 | 40,000 |
| Noninterest expense | 178,000 | 55,000 | 255,000 | 467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 101,000 | 538,000 | 623,000 | 684,000 |
| Income tax | -10,000 | 102,000 | 117,000 | 219,000 |
| Net income | 111,000 | 436,000 | 506,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,946,000 | 10,340,000 | 10,405,000 | 10,173,000 |
| Total capital | 10,143,000 | 10,546,000 | 10,612,000 | 10,382,000 |
| Risk-weighted assets | 15,649,000 | 16,418,000 | 16,522,000 | 16,637,000 |