Call reports 2020
COMMUNITY DEVELOPMENT BANK FSB — 2020
What COMMUNITY DEVELOPMENT BANK FSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 167,498,000 | 188,149,000 | 203,322,000 | 208,562,000 |
| Total loans | 103,711,000 | 106,101,000 | 106,169,000 | 97,770,000 |
| Allowance for loan losses | 1,292,000 | 1,421,000 | 1,486,000 | 1,537,000 |
| Securities available for sale | 32,780,000 | 34,284,000 | 46,831,000 | 56,254,000 |
| Securities held to maturity | 772,000 | 770,000 | 769,000 | 741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,806,000 | 165,070,000 | 180,271,000 | 185,717,000 |
| Interest-bearing deposits | 114,378,000 | 124,987,000 | 136,850,000 | 138,137,000 |
| Noninterest-bearing deposits | 30,428,000 | 40,083,000 | 43,421,000 | 47,580,000 |
| Equity capital | 21,073,000 | 21,134,000 | 21,154,000 | 21,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,602,000 | 3,054,000 | 4,545,000 | 5,921,000 |
| Interest expense | 206,000 | 417,000 | 621,000 | 795,000 |
| Net interest income | 1,396,000 | 2,637,000 | 3,924,000 | 5,126,000 |
| Noninterest income | 126,000 | 273,000 | 436,000 | 810,000 |
| Noninterest expense | 1,166,000 | 2,441,000 | 3,714,000 | 5,026,000 |
| Provision for loan losses | 52,000 | 180,000 | 232,000 | 283,000 |
| Pretax income | 304,000 | 290,000 | 415,000 | 760,000 |
| Income tax | 75,000 | 58,000 | 82,000 | 168,000 |
| Net income | 229,000 | 232,000 | 333,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,015,000 | 16,086,000 | 16,258,000 | 16,585,000 |
| Total capital | 17,456,000 | 17,603,000 | 17,922,000 | 18,076,000 |
| Risk-weighted assets | 115,238,000 | 121,299,000 | 133,151,000 | 119,121,000 |
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