Call reports 2017
CFSBANK — 2017
What CFSBANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 510,523,000 | 506,554,000 | 508,175,000 | 503,906,000 |
| Total loans | 275,751,000 | 278,527,000 | 281,782,000 | 287,285,000 |
| Allowance for loan losses | 1,125,000 | 1,120,000 | 1,155,000 | 1,325,000 |
| Securities available for sale | 56,086,000 | 53,761,000 | 57,488,000 | 57,494,000 |
| Securities held to maturity | 95,757,000 | 94,188,000 | 91,433,000 | 87,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,869,000 | 429,881,000 | 430,066,000 | 427,197,000 |
| Interest-bearing deposits | 365,722,000 | 360,676,000 | 361,162,000 | 355,725,000 |
| Noninterest-bearing deposits | 68,147,000 | 69,205,000 | 68,904,000 | 71,472,000 |
| Equity capital | 73,098,000 | 73,631,000 | 74,004,000 | 73,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,763,000 | 7,558,000 | 11,341,000 | 15,182,000 |
| Interest expense | 966,000 | 1,881,000 | 2,798,000 | 3,685,000 |
| Net interest income | 2,797,000 | 5,677,000 | 8,543,000 | 11,497,000 |
| Noninterest income | 359,000 | 743,000 | 1,126,000 | 1,480,000 |
| Noninterest expense | 2,552,000 | 5,173,000 | 7,803,000 | 10,840,000 |
| Provision for loan losses | 0 | 20,000 | 60,000 | 240,000 |
| Pretax income | 604,000 | 1,227,000 | 1,806,000 | 1,897,000 |
| Income tax | 165,000 | 341,000 | 502,000 | 700,000 |
| Net income | 439,000 | 886,000 | 1,304,000 | 1,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,726,000 | 73,158,000 | 73,557,000 | 73,424,000 |
| Total capital | 73,851,000 | 74,278,000 | 74,712,000 | 74,749,000 |
| Risk-weighted assets | 251,746,000 | 250,307,000 | 258,393,000 | 253,953,000 |