Call reports 2016
CFBANK NATIONAL ASSOCIATION — 2016
What CFBANK NATIONAL ASSOCIATION 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 | 351,253,000 | 362,856,000 | 405,668,000 | 434,726,000 |
| Total loans | 309,461,000 | 334,427,000 | 338,735,000 | 355,905,000 |
| Allowance for loan losses | 6,716,000 | 6,613,000 | 6,893,000 | 6,925,000 |
| Securities available for sale | 9,370,000 | 9,328,000 | 9,223,000 | 14,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,470,000 | 299,766,000 | 348,930,000 | 377,999,000 |
| Interest-bearing deposits | 255,063,000 | 251,456,000 | 292,554,000 | 302,391,000 |
| Noninterest-bearing deposits | 41,407,000 | 48,310,000 | 56,376,000 | 75,608,000 |
| Equity capital | 38,275,000 | 38,858,000 | 39,486,000 | 41,449,000 |
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 | 3,361,000 | 6,929,000 | 10,662,000 | 14,410,000 |
| Interest expense | 647,000 | 1,335,000 | 2,084,000 | 2,905,000 |
| Net interest income | 2,714,000 | 5,594,000 | 8,578,000 | 11,505,000 |
| Noninterest income | 260,000 | 530,000 | 866,000 | 1,062,000 |
| Noninterest expense | 2,284,000 | 4,478,000 | 6,852,000 | 9,204,000 |
| Provision for loan losses | 50,000 | 210,000 | 230,000 | 230,000 |
| Pretax income | 640,000 | 1,436,000 | 2,362,000 | 3,133,000 |
| Income tax | 209,000 | 471,000 | 779,000 | 1,046,000 |
| Net income | 431,000 | 965,000 | 1,583,000 | 2,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,155,000 | 38,718,000 | 39,369,000 | 40,556,000 |
| Total capital | 42,029,000 | 42,795,000 | 43,557,000 | 45,118,000 |
| Risk-weighted assets | 307,072,000 | 323,572,000 | 332,279,000 | 362,181,000 |