Call reports 2019
CYPRESS BANK, SSB — 2019
What CYPRESS BANK, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 190,888,000 | 189,562,000 | 192,417,000 | 190,310,000 |
| Total loans | 127,945,000 | 126,597,000 | 128,061,000 | 130,101,000 |
| Allowance for loan losses | 1,474,000 | 1,486,000 | 1,482,000 | 1,525,000 |
| Securities available for sale | 10,146,000 | 10,039,000 | 9,308,000 | 9,068,000 |
| Securities held to maturity | 34,644,000 | 34,280,000 | 35,209,000 | 36,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,127,000 | 153,140,000 | 152,605,000 | 151,415,000 |
| Interest-bearing deposits | 129,216,000 | 130,958,000 | 129,447,000 | 129,751,000 |
| Noninterest-bearing deposits | 22,911,000 | 22,182,000 | 23,158,000 | 21,664,000 |
| Equity capital | 20,543,000 | 20,625,000 | 21,122,000 | 21,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,264,000 | 4,594,000 | 6,890,000 | 9,186,000 |
| Interest expense | 530,000 | 1,080,000 | 1,615,000 | 2,161,000 |
| Net interest income | 1,734,000 | 3,514,000 | 5,275,000 | 7,025,000 |
| Noninterest income | 243,000 | 500,000 | 797,000 | 1,059,000 |
| Noninterest expense | 1,435,000 | 2,949,000 | 4,487,000 | 6,038,000 |
| Provision for loan losses | 31,000 | 37,000 | 91,000 | 155,000 |
| Pretax income | 524,000 | 1,041,000 | 1,507,000 | 1,904,000 |
| Income tax | 91,000 | 182,000 | 262,000 | 327,000 |
| Net income | 433,000 | 859,000 | 1,245,000 | 1,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,398,000 | 20,341,000 | 20,726,000 | 21,058,000 |
| Total capital | 21,839,000 | 21,772,000 | 22,208,000 | 22,545,000 |
| Risk-weighted assets | 115,252,000 | 114,462,000 | 119,424,000 | 118,967,000 |