Call reports 2025
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2025
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 41,983,000 | 41,772,000 | 41,961,000 | 40,859,000 |
| Total loans | 31,530,000 | 31,318,000 | 32,187,000 | 32,117,000 |
| Allowance for loan losses | 272,000 | 272,000 | 272,000 | 272,000 |
| Securities available for sale | 5,326,000 | 5,881,000 | 5,937,000 | 5,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,793,000 | 27,603,000 | 27,764,000 | 26,891,000 |
| Interest-bearing deposits | 27,667,000 | 27,360,000 | 27,407,000 | 26,846,000 |
| Noninterest-bearing deposits | 126,000 | 243,000 | 357,000 | 45,000 |
| Equity capital | 11,152,000 | 11,207,000 | 11,281,000 | 11,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 957,000 | 1,435,000 | 1,957,000 |
| Interest expense | 266,000 | 529,000 | 789,000 | 1,045,000 |
| Net interest income | 214,000 | 428,000 | 646,000 | 912,000 |
| Noninterest income | 6,000 | 12,000 | 19,000 | 25,000 |
| Noninterest expense | 218,000 | 438,000 | 640,000 | 870,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 3,000 | 26,000 | 68,000 |
| Income tax | 9,000 | 5,000 | 6,000 | 25,000 |
| Net income | -6,000 | -2,000 | 20,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,456,000 | 11,460,000 | 11,483,000 | 11,506,000 |
| Total capital | 11,707,000 | 11,711,000 | 11,738,000 | 11,756,000 |
| Risk-weighted assets | 20,038,000 | 20,053,000 | 20,426,000 | 20,020,000 |