Call reports 2018
COMMUNITY DEVELOPMENT BANK FSB — 2018
What COMMUNITY DEVELOPMENT BANK FSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 168,510,000 | 168,333,000 | 171,430,000 | 169,521,000 |
| Total loans | 103,817,000 | 109,600,000 | 112,051,000 | 107,760,000 |
| Allowance for loan losses | 1,150,000 | 1,197,000 | 1,235,000 | 1,279,000 |
| Securities available for sale | 29,543,000 | 28,480,000 | 27,634,000 | 27,005,000 |
| Securities held to maturity | 1,891,000 | 1,888,000 | 1,888,000 | 1,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,369,000 | 144,005,000 | 144,984,000 | 144,360,000 |
| Interest-bearing deposits | 108,647,000 | 109,058,000 | 109,897,000 | 110,576,000 |
| Noninterest-bearing deposits | 35,722,000 | 34,947,000 | 35,087,000 | 33,784,000 |
| Equity capital | 19,998,000 | 20,240,000 | 20,365,000 | 20,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 3,244,000 | 4,930,000 | 6,686,000 |
| Interest expense | 124,000 | 253,000 | 409,000 | 580,000 |
| Net interest income | 1,461,000 | 2,991,000 | 4,521,000 | 6,106,000 |
| Noninterest income | 135,000 | 299,000 | 490,000 | 648,000 |
| Noninterest expense | 1,148,000 | 2,350,000 | 3,679,000 | 4,932,000 |
| Provision for loan losses | 52,000 | 103,000 | 155,000 | 206,000 |
| Pretax income | 396,000 | 837,000 | 1,177,000 | 1,616,000 |
| Income tax | 121,000 | 253,000 | 359,000 | 491,000 |
| Net income | 275,000 | 584,000 | 818,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,300,000 | 15,682,000 | 15,989,000 | 16,368,000 |
| Total capital | 16,609,000 | 17,041,000 | 17,389,000 | 17,815,000 |
| Risk-weighted assets | 119,907,000 | 121,473,000 | 122,638,000 | 119,071,000 |