Call reports 2019
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2019
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 37,288,000 | 38,805,000 | 39,537,000 | 39,506,000 |
| Total loans | 23,531,000 | 23,492,000 | 23,149,000 | 22,654,000 |
| Allowance for loan losses | 272,000 | 272,000 | 272,000 | 272,000 |
| Securities available for sale | 8,046,000 | 8,253,000 | 7,671,000 | 7,462,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,484,000 | 22,856,000 | 23,472,000 | 23,650,000 |
| Interest-bearing deposits | 21,381,000 | 22,710,000 | 23,296,000 | 23,606,000 |
| Noninterest-bearing deposits | 103,000 | 146,000 | 176,000 | 44,000 |
| Equity capital | 10,744,000 | 11,024,000 | 11,222,000 | 11,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 370,000 | 760,000 | 1,140,000 | 1,524,000 |
| Interest expense | 97,000 | 206,000 | 325,000 | 448,000 |
| Net interest income | 273,000 | 554,000 | 815,000 | 1,076,000 |
| Noninterest income | 13,000 | 25,000 | 34,000 | 45,000 |
| Noninterest expense | 207,000 | 398,000 | 589,000 | 806,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 79,000 | 181,000 | 260,000 | 315,000 |
| Income tax | -26,000 | -57,000 | -63,000 | -67,000 |
| Net income | 105,000 | 238,000 | 323,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,744,000 | 10,900,000 | 10,985,000 | 11,043,000 |
| Total capital | 10,957,000 | 11,114,000 | 11,201,000 | 11,252,000 |
| Risk-weighted assets | 16,966,000 | 17,092,000 | 17,204,000 | 16,662,000 |
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