Call reports 2022
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2022
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 41,377,000 | 40,372,000 | 39,614,000 | 39,204,000 |
| Total loans | 25,613,000 | 27,022,000 | 26,625,000 | 26,950,000 |
| Allowance for loan losses | 272,000 | 272,000 | 272,000 | 272,000 |
| Securities available for sale | 8,366,000 | 8,152,000 | 7,491,000 | 7,558,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,401,000 | 25,597,000 | 25,109,000 | 24,889,000 |
| Interest-bearing deposits | 26,259,000 | 25,341,000 | 24,808,000 | 24,821,000 |
| Noninterest-bearing deposits | 142,000 | 256,000 | 301,000 | 68,000 |
| Equity capital | 11,075,000 | 10,919,000 | 10,701,000 | 10,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 338,000 | 678,000 | 1,034,000 | 1,407,000 |
| Interest expense | 75,000 | 146,000 | 218,000 | 308,000 |
| Net interest income | 263,000 | 532,000 | 816,000 | 1,099,000 |
| Noninterest income | 4,000 | 27,000 | 45,000 | 58,000 |
| Noninterest expense | 204,000 | 420,000 | 625,000 | 861,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 151,000 | 233,000 | 293,000 |
| Income tax | 15,000 | 29,000 | 45,000 | 74,000 |
| Net income | 54,000 | 122,000 | 188,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,361,000 | 11,429,000 | 11,495,000 | 11,526,000 |
| Total capital | 11,581,000 | 11,659,000 | 11,725,000 | 11,754,000 |
| Risk-weighted assets | 17,543,000 | 18,507,000 | 18,380,000 | 18,208,000 |
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