Call reports 2016
CARVER FEDERAL SAVINGS BANK — 2016
What CARVER FEDERAL SAVINGS BANK 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 | 740,866,000 | 696,312,000 | 699,988,000 | 697,441,000 |
| Total loans | 590,351,000 | 566,164,000 | 545,008,000 | 549,143,000 |
| Allowance for loan losses | 5,232,000 | 5,183,000 | 4,747,000 | 4,620,000 |
| Securities available for sale | 56,986,000 | 54,759,000 | 53,346,000 | 59,619,000 |
| Securities held to maturity | 15,327,000 | 14,983,000 | 14,458,000 | 13,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,463,000 | 586,983,000 | 590,965,000 | 586,359,000 |
| Interest-bearing deposits | 558,363,000 | 532,814,000 | 529,231,000 | 522,084,000 |
| Noninterest-bearing deposits | 56,100,000 | 54,169,000 | 61,734,000 | 64,275,000 |
| Equity capital | 64,192,000 | 65,059,000 | 64,665,000 | 62,137,000 |
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 | 6,743,000 | 13,632,000 | 20,611,000 | 26,813,000 |
| Interest expense | 1,094,000 | 2,210,000 | 3,301,000 | 4,431,000 |
| Net interest income | 5,649,000 | 11,422,000 | 17,310,000 | 22,382,000 |
| Noninterest income | 1,471,000 | 2,635,000 | 3,177,000 | 4,047,000 |
| Noninterest expense | 8,250,000 | 14,813,000 | 21,572,000 | 28,333,000 |
| Provision for loan losses | 89,000 | -115,000 | -275,000 | -403,000 |
| Pretax income | -1,219,000 | -641,000 | -752,000 | -1,443,000 |
| Income tax | -32,000 | 37,000 | 5,000 | 5,000 |
| Net income | -1,187,000 | -678,000 | -757,000 | -1,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,282,000 | 64,854,000 | 64,731,000 | 63,742,000 |
| Total capital | 71,530,000 | 72,047,000 | 71,489,000 | 70,530,000 |
| Risk-weighted assets | 522,738,000 | 513,581,000 | 498,524,000 | 505,381,000 |