Call reports 2017
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2017
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 38,323,000 | 38,794,000 | 38,136,000 | 37,319,000 |
| Total loans | 22,162,000 | 21,759,000 | 21,949,000 | 22,475,000 |
| Allowance for loan losses | 286,000 | 286,000 | 286,000 | 272,000 |
| Securities available for sale | 8,571,000 | 9,664,000 | 9,479,000 | 8,960,000 |
| Securities held to maturity | 1,000,000 | 999,000 | 998,000 | 997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,406,000 | 24,123,000 | 23,444,000 | 22,863,000 |
| Interest-bearing deposits | 23,339,000 | 24,021,000 | 23,297,000 | 22,832,000 |
| Noninterest-bearing deposits | 67,000 | 102,000 | 147,000 | 31,000 |
| Equity capital | 10,211,000 | 10,283,000 | 10,364,000 | 10,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 711,000 | 1,074,000 | 1,426,000 |
| Interest expense | 80,000 | 166,000 | 252,000 | 337,000 |
| Net interest income | 276,000 | 545,000 | 822,000 | 1,089,000 |
| Noninterest income | 10,000 | 21,000 | 33,000 | 46,000 |
| Noninterest expense | 192,000 | 385,000 | 574,000 | 774,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 94,000 | 181,000 | 281,000 | 361,000 |
| Income tax | 45,000 | 65,000 | 80,000 | 131,000 |
| Net income | 49,000 | 116,000 | 201,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,211,000 | 10,283,000 | 10,364,000 | 10,366,000 |
| Total capital | 10,423,000 | 10,492,000 | 10,576,000 | 10,580,000 |
| Risk-weighted assets | 16,908,000 | 16,686,000 | 16,889,000 | 17,071,000 |