Call reports 2016
CFSBANK — 2016
What CFSBANK 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 | 527,067,000 | 522,404,000 | 515,728,000 | 510,261,000 |
| Total loans | 275,955,000 | 273,131,000 | 271,954,000 | 273,380,000 |
| Allowance for loan losses | 1,002,000 | 1,099,000 | 1,130,000 | 1,126,000 |
| Securities available for sale | 50,286,000 | 50,265,000 | 52,741,000 | 54,589,000 |
| Securities held to maturity | 107,019,000 | 102,858,000 | 102,424,000 | 100,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,931,000 | 446,612,000 | 438,770,000 | 434,858,000 |
| Interest-bearing deposits | 384,371,000 | 381,053,000 | 374,488,000 | 369,222,000 |
| Noninterest-bearing deposits | 66,560,000 | 65,559,000 | 64,282,000 | 65,636,000 |
| Equity capital | 72,609,000 | 73,129,000 | 73,256,000 | 72,660,000 |
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 | 3,936,000 | 7,790,000 | 11,519,000 | 15,203,000 |
| Interest expense | 1,239,000 | 2,413,000 | 3,535,000 | 4,578,000 |
| Net interest income | 2,697,000 | 5,377,000 | 7,984,000 | 10,625,000 |
| Noninterest income | 339,000 | 705,000 | 1,073,000 | 1,455,000 |
| Noninterest expense | 2,498,000 | 4,983,000 | 7,627,000 | 10,524,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 60,000 |
| Pretax income | 538,000 | 1,069,000 | 1,370,000 | 1,496,000 |
| Income tax | 133,000 | 264,000 | 325,000 | 329,000 |
| Net income | 405,000 | 805,000 | 1,045,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,591,000 | 71,986,000 | 72,201,000 | 72,297,000 |
| Total capital | 72,593,000 | 73,085,000 | 73,331,000 | 73,423,000 |
| Risk-weighted assets | 231,472,000 | 231,590,000 | 232,426,000 | 241,353,000 |