Call reports 2016
THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND — 2016
What THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND 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 | 12,431,419,000 | 12,588,562,000 | 12,869,395,000 | 13,155,641,000 |
| Total loans | 11,364,405,000 | 11,505,621,000 | 11,775,285,000 | 11,955,181,000 |
| Allowance for loan losses | 68,307,000 | 64,766,000 | 61,795,000 | 60,447,000 |
| Securities available for sale | 568,918,000 | 530,153,000 | 517,866,000 | 524,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,450,925,000 | 8,455,502,000 | 8,480,487,000 | 8,418,790,000 |
| Interest-bearing deposits | 8,316,046,000 | 8,366,891,000 | 8,329,444,000 | 8,234,084,000 |
| Noninterest-bearing deposits | 134,879,000 | 88,611,000 | 151,043,000 | 184,706,000 |
| Equity capital | 1,430,557,000 | 1,452,914,000 | 1,475,174,000 | 1,422,832,000 |
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 | 96,585,000 | 191,960,000 | 288,932,000 | 385,833,000 |
| Interest expense | 29,796,000 | 59,413,000 | 89,850,000 | 119,903,000 |
| Net interest income | 66,789,000 | 132,547,000 | 199,082,000 | 265,930,000 |
| Noninterest income | 4,534,000 | 8,229,000 | 15,646,000 | 19,538,000 |
| Noninterest expense | 42,282,000 | 82,576,000 | 124,479,000 | 166,296,000 |
| Provision for loan losses | -1,000,000 | -4,000,000 | -7,000,000 | -7,000,000 |
| Pretax income | 30,041,000 | 62,200,000 | 97,249,000 | 126,172,000 |
| Income tax | 10,538,000 | 21,932,000 | 34,256,000 | 44,115,000 |
| Net income | 19,503,000 | 40,268,000 | 62,993,000 | 82,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,440,726,000 | 1,464,665,000 | 1,489,704,000 | 1,431,331,000 |
| Total capital | 1,509,037,000 | 1,529,435,000 | 1,551,502,000 | 1,491,781,000 |
| Risk-weighted assets | 6,791,887,000 | 6,871,156,000 | 6,975,078,000 | 7,045,566,000 |