Call reports 2016
CYPRESS BANK, SSB — 2016
What CYPRESS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 178,345,000 | 177,304,000 | 175,334,000 | 174,884,000 |
| Total loans | 123,651,000 | 123,918,000 | 124,913,000 | 125,333,000 |
| Allowance for loan losses | 1,360,000 | 1,383,000 | 1,426,000 | 1,411,000 |
| Securities available for sale | 6,085,000 | 5,712,000 | 5,405,000 | 5,755,000 |
| Securities held to maturity | 35,033,000 | 33,062,000 | 33,282,000 | 31,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,456,000 | 134,862,000 | 133,605,000 | 131,893,000 |
| Interest-bearing deposits | 118,373,000 | 116,927,000 | 115,818,000 | 115,278,000 |
| Noninterest-bearing deposits | 17,083,000 | 17,935,000 | 17,787,000 | 16,615,000 |
| Equity capital | 17,562,000 | 17,796,000 | 17,841,000 | 18,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,019,000 | 4,019,000 | 6,056,000 | 8,054,000 |
| Interest expense | 426,000 | 849,000 | 1,263,000 | 1,671,000 |
| Net interest income | 1,593,000 | 3,170,000 | 4,793,000 | 6,383,000 |
| Noninterest income | 256,000 | 488,000 | 754,000 | 991,000 |
| Noninterest expense | 1,391,000 | 2,789,000 | 4,140,000 | 5,424,000 |
| Provision for loan losses | 60,000 | 99,000 | 150,000 | 160,000 |
| Pretax income | 398,000 | 770,000 | 1,257,000 | 1,790,000 |
| Income tax | 128,000 | 246,000 | 404,000 | 582,000 |
| Net income | 270,000 | 524,000 | 853,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,457,000 | 17,677,000 | 17,707,000 | 18,063,000 |
| Total capital | 18,758,000 | 18,958,000 | 18,992,000 | 19,361,000 |
| Risk-weighted assets | 104,078,000 | 102,431,000 | 102,684,000 | 103,732,000 |