Call reports 2015
COMMUNITY DEVELOPMENT BANK FSB — 2015
What COMMUNITY DEVELOPMENT BANK FSB 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 | 72,982,000 | 72,297,000 | 73,460,000 | 72,882,000 |
| Total loans | 41,599,000 | 43,929,000 | 48,480,000 | 47,571,000 |
| Allowance for loan losses | 806,000 | 852,000 | 899,000 | 939,000 |
| Securities available for sale | 9,831,000 | 8,916,000 | 8,804,000 | 8,575,000 |
| Securities held to maturity | 1,737,000 | 1,736,000 | 1,734,000 | 1,733,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,076,000 | 61,387,000 | 61,814,000 | 61,673,000 |
| Interest-bearing deposits | 51,459,000 | 53,009,000 | 52,830,000 | 51,840,000 |
| Noninterest-bearing deposits | 10,617,000 | 8,378,000 | 8,984,000 | 9,833,000 |
| Equity capital | 8,061,000 | 8,078,000 | 8,240,000 | 8,346,000 |
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 | 669,000 | 1,354,000 | 2,095,000 | 2,862,000 |
| Interest expense | 74,000 | 149,000 | 224,000 | 296,000 |
| Net interest income | 595,000 | 1,205,000 | 1,871,000 | 2,566,000 |
| Noninterest income | 31,000 | 81,000 | 124,000 | 182,000 |
| Noninterest expense | 457,000 | 966,000 | 1,456,000 | 1,951,000 |
| Provision for loan losses | 46,000 | 91,000 | 137,000 | 183,000 |
| Pretax income | 123,000 | 229,000 | 402,000 | 614,000 |
| Income tax | 29,000 | 72,000 | 133,000 | 213,000 |
| Net income | 94,000 | 157,000 | 269,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,535,000 | 7,599,000 | 7,684,000 | 7,834,000 |
| Total capital | 8,095,000 | 8,184,000 | 8,326,000 | 8,497,000 |
| Risk-weighted assets | 44,514,000 | 46,468,000 | 50,999,000 | 52,618,000 |