Call reports 2015
CARVER FEDERAL SAVINGS BANK — 2015
What CARVER FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 678,076,000 | 670,001,000 | 730,394,000 | 751,807,000 |
| Total loans | 485,776,000 | 494,628,000 | 565,507,000 | 604,239,000 |
| Allowance for loan losses | 4,477,000 | 4,107,000 | 4,572,000 | 5,174,000 |
| Securities available for sale | 94,628,000 | 85,944,000 | 75,715,000 | 68,152,000 |
| Securities held to maturity | 11,921,000 | 16,596,000 | 16,087,000 | 15,737,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 536,050,000 | 552,835,000 | 589,259,000 | 605,415,000 |
| Interest-bearing deposits | 480,224,000 | 498,408,000 | 497,623,000 | 536,391,000 |
| Noninterest-bearing deposits | 55,826,000 | 54,428,000 | 91,636,000 | 69,024,000 |
| Equity capital | 66,199,000 | 63,718,000 | 64,479,000 | 64,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,899,000 | 11,556,000 | 18,071,000 | 24,843,000 |
| Interest expense | 836,000 | 1,784,000 | 2,762,000 | 3,814,000 |
| Net interest income | 5,063,000 | 9,772,000 | 15,309,000 | 21,029,000 |
| Noninterest income | 1,199,000 | 2,586,000 | 3,689,000 | 6,458,000 |
| Noninterest expense | 6,462,000 | 13,007,000 | 19,521,000 | 26,565,000 |
| Provision for loan losses | -366,000 | -30,000 | 353,000 | 1,341,000 |
| Pretax income | 166,000 | -619,000 | -874,000 | -418,000 |
| Income tax | 31,000 | 44,000 | 124,000 | 191,000 |
| Net income | 135,000 | -663,000 | -998,000 | -609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,244,000 | 65,631,000 | 65,297,000 | 65,334,000 |
| Total capital | 74,738,000 | 72,760,000 | 72,891,000 | 72,524,000 |
| Risk-weighted assets | 445,440,000 | 456,029,000 | 501,510,000 | 533,749,000 |
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