Call reports 2018
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2018
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 39,589,000 | 39,350,000 | 38,268,000 | 36,958,000 |
| Total loans | 22,721,000 | 22,774,000 | 23,142,000 | 23,255,000 |
| Allowance for loan losses | 272,000 | 272,000 | 272,000 | 272,000 |
| Securities available for sale | 9,017,000 | 9,124,000 | 9,182,000 | 8,567,000 |
| Securities held to maturity | 997,000 | 997,000 | 502,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,402,000 | 24,388,000 | 23,370,000 | 22,139,000 |
| Interest-bearing deposits | 24,329,000 | 24,266,000 | 23,199,000 | 22,087,000 |
| Noninterest-bearing deposits | 73,000 | 122,000 | 171,000 | 52,000 |
| Equity capital | 10,297,000 | 10,318,000 | 10,360,000 | 10,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 749,000 | 1,123,000 | 1,532,000 |
| Interest expense | 92,000 | 186,000 | 282,000 | 378,000 |
| Net interest income | 265,000 | 563,000 | 841,000 | 1,154,000 |
| Noninterest income | 14,000 | 27,000 | 41,000 | 54,000 |
| Noninterest expense | 206,000 | 388,000 | 579,000 | 795,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 202,000 | 303,000 | 413,000 |
| Income tax | -1,000 | 39,000 | 56,000 | 108,000 |
| Net income | 74,000 | 163,000 | 247,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,297,000 | 10,318,000 | 10,360,000 | 10,467,000 |
| Total capital | 10,515,000 | 10,536,000 | 10,571,000 | 10,676,000 |
| Risk-weighted assets | 17,390,000 | 17,346,000 | 16,855,000 | 16,653,000 |