Call reports 2019
CFSBANK — 2019
What CFSBANK 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 | 492,913,000 | 485,421,000 | 484,759,000 | 480,892,000 |
| Total loans | 300,553,000 | 301,710,000 | 299,570,000 | 296,759,000 |
| Allowance for loan losses | 4,100,000 | 3,924,000 | 3,977,000 | 1,901,000 |
| Securities available for sale | 49,362,000 | 50,993,000 | 44,404,000 | 40,296,000 |
| Securities held to maturity | 67,994,000 | 64,385,000 | 62,098,000 | 61,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,214,000 | 408,322,000 | 406,594,000 | 402,071,000 |
| Interest-bearing deposits | 339,272,000 | 331,404,000 | 330,770,000 | 324,099,000 |
| Noninterest-bearing deposits | 76,942,000 | 76,918,000 | 75,824,000 | 77,972,000 |
| Equity capital | 72,569,000 | 73,469,000 | 73,694,000 | 75,059,000 |
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 | 3,959,000 | 7,932,000 | 11,865,000 | 15,826,000 |
| Interest expense | 831,000 | 1,698,000 | 2,580,000 | 3,462,000 |
| Net interest income | 3,128,000 | 6,234,000 | 9,285,000 | 12,364,000 |
| Noninterest income | 328,000 | 742,000 | 1,095,000 | 1,452,000 |
| Noninterest expense | 2,750,000 | 5,731,000 | 8,775,000 | 12,136,000 |
| Provision for loan losses | 0 | 60,000 | 230,000 | -920,000 |
| Pretax income | 706,000 | 1,185,000 | 1,375,000 | 2,600,000 |
| Income tax | 136,000 | 221,000 | 265,000 | -23,000 |
| Net income | 570,000 | 964,000 | 1,110,000 | 2,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,574,000 | 72,969,000 | 73,115,000 | 74,627,000 |
| Total capital | 75,901,000 | 76,265,000 | 76,317,000 | 76,528,000 |
| Risk-weighted assets | 265,396,000 | 263,072,000 | 255,421,000 | 249,138,000 |