Call reports 2016
COMMUNITY DEVELOPMENT BANK FSB — 2016
What COMMUNITY DEVELOPMENT BANK FSB 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 | 71,717,000 | 74,394,000 | 77,321,000 | 75,625,000 |
| Total loans | 50,078,000 | 54,126,000 | 56,714,000 | 55,516,000 |
| Allowance for loan losses | 977,000 | 1,018,000 | 1,034,000 | 1,050,000 |
| Securities available for sale | 8,498,000 | 8,353,000 | 7,539,000 | 7,141,000 |
| Securities held to maturity | 1,709,000 | 1,708,000 | 1,875,000 | 2,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,757,000 | 60,213,000 | 63,464,000 | 61,816,000 |
| Interest-bearing deposits | 50,239,000 | 50,245,000 | 53,625,000 | 51,991,000 |
| Noninterest-bearing deposits | 9,518,000 | 9,968,000 | 9,839,000 | 9,825,000 |
| Equity capital | 8,441,000 | 8,614,000 | 8,812,000 | 8,875,000 |
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 | 753,000 | 1,528,000 | 2,355,000 | 3,146,000 |
| Interest expense | 71,000 | 142,000 | 214,000 | 283,000 |
| Net interest income | 682,000 | 1,386,000 | 2,141,000 | 2,863,000 |
| Noninterest income | 68,000 | 115,000 | 165,000 | 245,000 |
| Noninterest expense | 477,000 | 968,000 | 1,419,000 | 1,911,000 |
| Provision for loan losses | 34,000 | 69,000 | 93,000 | 117,000 |
| Pretax income | 239,000 | 464,000 | 794,000 | 1,080,000 |
| Income tax | 88,000 | 170,000 | 292,000 | 395,000 |
| Net income | 151,000 | 294,000 | 502,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,827,000 | 7,952,000 | 8,170,000 | 8,434,000 |
| Total capital | 8,512,000 | 8,673,000 | 8,951,000 | 9,182,000 |
| Risk-weighted assets | 54,433,000 | 57,242,000 | 62,084,000 | 59,441,000 |