Call reports 2015
CHEVIOT SAVINGS BANK — 2015
What CHEVIOT SAVINGS BANK 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 | 572,552,000 | 580,898,000 | 576,426,000 | 571,795,000 |
| Total loans | 339,207,000 | 355,699,000 | 366,862,000 | 378,443,000 |
| Allowance for loan losses | 2,323,000 | 2,385,000 | 2,992,000 | 3,537,000 |
| Securities available for sale | 147,669,000 | 124,664,000 | 104,493,000 | 98,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,584,000 | 462,708,000 | 468,904,000 | 464,705,000 |
| Interest-bearing deposits | 435,960,000 | 441,404,000 | 429,544,000 | 424,637,000 |
| Noninterest-bearing deposits | 29,624,000 | 21,304,000 | 39,360,000 | 40,068,000 |
| Equity capital | 88,318,000 | 87,743,000 | 89,293,000 | 88,650,000 |
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 | 4,464,000 | 9,089,000 | 13,606,000 | 18,114,000 |
| Interest expense | 892,000 | 1,754,000 | 2,593,000 | 3,414,000 |
| Net interest income | 3,572,000 | 7,335,000 | 11,013,000 | 14,700,000 |
| Noninterest income | 552,000 | 1,290,000 | 2,002,000 | 2,737,000 |
| Noninterest expense | 3,916,000 | 7,223,000 | 10,414,000 | 13,421,000 |
| Provision for loan losses | 147,000 | 439,000 | 1,107,000 | 1,695,000 |
| Pretax income | 61,000 | 963,000 | 1,494,000 | 2,321,000 |
| Income tax | 35,000 | 331,000 | 487,000 | 763,000 |
| Net income | 26,000 | 632,000 | 1,007,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,195,000 | 78,909,000 | 79,352,000 | 78,699,000 |
| Total capital | 80,518,000 | 81,294,000 | 82,344,000 | 82,236,000 |
| Risk-weighted assets | 327,104,000 | 342,971,000 | 354,054,000 | 364,792,000 |