Call reports 2026
CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON — 2026
What CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 40,591,000 | 41,864,000 |
| Total loans | 31,020,000 | 30,541,000 |
| Allowance for loan losses | 272,000 | 272,000 |
| Securities available for sale | 6,279,000 | 6,728,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 26,754,000 | 28,056,000 |
| Interest-bearing deposits | 26,578,000 | 27,801,000 |
| Noninterest-bearing deposits | 176,000 | 255,000 |
| Equity capital | 11,306,000 | 11,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 475,000 | 967,000 |
| Interest expense | 236,000 | 471,000 |
| Net interest income | 239,000 | 496,000 |
| Noninterest income | 6,000 | 11,000 |
| Noninterest expense | 243,000 | 478,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 3,000 | 30,000 |
| Income tax | -18,000 | -20,000 |
| Net income | 21,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 11,527,000 | 11,556,000 |
| Total capital | 11,773,000 | 11,801,000 |
| Risk-weighted assets | 19,642,000 | 19,597,000 |