Call reports 2018
CFSBANK — 2018
What CFSBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 500,993,000 | 495,572,000 | 491,714,000 | 488,348,000 |
| Total loans | 289,629,000 | 294,371,000 | 297,657,000 | 302,320,000 |
| Allowance for loan losses | 1,363,000 | 4,723,000 | 4,411,000 | 4,577,000 |
| Securities available for sale | 54,339,000 | 51,409,000 | 48,925,000 | 49,073,000 |
| Securities held to maturity | 83,584,000 | 79,384,000 | 75,244,000 | 71,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,723,000 | 421,846,000 | 416,743,000 | 413,781,000 |
| Interest-bearing deposits | 351,392,000 | 349,005,000 | 344,598,000 | 338,691,000 |
| Noninterest-bearing deposits | 72,331,000 | 72,841,000 | 72,145,000 | 75,090,000 |
| Equity capital | 73,409,000 | 70,382,000 | 70,530,000 | 71,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,856,000 | 7,766,000 | 11,744,000 | 15,703,000 |
| Interest expense | 843,000 | 1,666,000 | 2,504,000 | 3,333,000 |
| Net interest income | 3,013,000 | 6,100,000 | 9,240,000 | 12,370,000 |
| Noninterest income | 352,000 | 766,000 | 1,151,000 | 1,531,000 |
| Noninterest expense | 2,684,000 | 5,544,000 | 8,295,000 | 11,468,000 |
| Provision for loan losses | 40,000 | 3,405,000 | 3,585,000 | 3,750,000 |
| Pretax income | 395,000 | -2,329,000 | -1,735,000 | -1,563,000 |
| Income tax | 111,000 | 218,000 | 368,000 | 553,000 |
| Net income | 284,000 | -2,547,000 | -2,103,000 | -2,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,659,000 | 70,829,000 | 71,272,000 | 71,455,000 |
| Total capital | 75,202,000 | 74,131,000 | 74,539,000 | 74,703,000 |
| Risk-weighted assets | 254,826,000 | 262,770,000 | 260,240,000 | 258,555,000 |