Call reports 2015
CYPRESS BANK, SSB — 2015
What CYPRESS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 175,612,000 | 175,989,000 | 176,792,000 | 176,238,000 |
| Total loans | 120,078,000 | 122,836,000 | 124,958,000 | 122,644,000 |
| Allowance for loan losses | 1,541,000 | 1,541,000 | 1,624,000 | 1,343,000 |
| Securities available for sale | 5,337,000 | 7,169,000 | 6,828,000 | 6,397,000 |
| Securities held to maturity | 35,172,000 | 33,886,000 | 33,554,000 | 33,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,348,000 | 132,811,000 | 134,212,000 | 133,846,000 |
| Interest-bearing deposits | 116,367,000 | 116,240,000 | 116,699,000 | 117,155,000 |
| Noninterest-bearing deposits | 15,981,000 | 16,571,000 | 17,513,000 | 16,691,000 |
| Equity capital | 16,747,000 | 17,039,000 | 17,028,000 | 17,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,031,000 | 4,058,000 | 6,117,000 | 8,164,000 |
| Interest expense | 429,000 | 853,000 | 1,278,000 | 1,700,000 |
| Net interest income | 1,602,000 | 3,205,000 | 4,839,000 | 6,464,000 |
| Noninterest income | 221,000 | 436,000 | 699,000 | 946,000 |
| Noninterest expense | 1,356,000 | 2,679,000 | 4,018,000 | 5,465,000 |
| Provision for loan losses | 16,000 | 36,000 | 122,000 | 100,000 |
| Pretax income | 451,000 | 926,000 | 1,398,000 | 1,845,000 |
| Income tax | 144,000 | 295,000 | 446,000 | 589,000 |
| Net income | 307,000 | 631,000 | 952,000 | 1,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,565,000 | 16,889,000 | 16,881,000 | 17,186,000 |
| Total capital | 17,830,000 | 18,183,000 | 18,197,000 | 18,450,000 |
| Risk-weighted assets | 100,940,000 | 103,346,000 | 104,994,000 | 101,091,000 |