Call reports 2023
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2023
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 39,155,000 | 39,272,000 | 39,328,000 | 39,951,000 |
| Total loans | 27,788,000 | 29,131,000 | 29,053,000 | 30,475,000 |
| Allowance for loan losses | 272,000 | 272,000 | 272,000 | 272,000 |
| Securities available for sale | 6,077,000 | 4,928,000 | 4,816,000 | 3,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,933,000 | 25,123,000 | 25,250,000 | 24,949,000 |
| Interest-bearing deposits | 24,766,000 | 24,875,000 | 24,936,000 | 24,931,000 |
| Noninterest-bearing deposits | 167,000 | 248,000 | 314,000 | 18,000 |
| Equity capital | 10,951,000 | 10,913,000 | 10,887,000 | 11,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 363,000 | 754,000 | 1,150,000 | 1,570,000 |
| Interest expense | 107,000 | 238,000 | 392,000 | 571,000 |
| Net interest income | 256,000 | 516,000 | 758,000 | 999,000 |
| Noninterest income | 11,000 | 22,000 | 29,000 | 39,000 |
| Noninterest expense | 209,000 | 414,000 | 618,000 | 848,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -47,000 | 19,000 | 64,000 | -47,000 |
| Income tax | -49,000 | -10,000 | -15,000 | -34,000 |
| Net income | 2,000 | 29,000 | 79,000 | -13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,528,000 | 11,555,000 | 11,605,000 | 11,513,000 |
| Total capital | 11,754,000 | 11,784,000 | 11,836,000 | 11,752,000 |
| Risk-weighted assets | 18,054,000 | 18,333,000 | 18,473,000 | 19,126,000 |
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