Call reports 2016
COLONIAL FEDERAL SAVINGS BANK — 2016
What COLONIAL FEDERAL SAVINGS BANK 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 | 286,777,000 | 286,212,000 | 287,083,000 | 291,614,000 |
| Total loans | 150,215,000 | 150,509,000 | 155,316,000 | 162,682,000 |
| Allowance for loan losses | 1,228,000 | 1,244,000 | 1,259,000 | 1,289,000 |
| Securities available for sale | 1,721,000 | 1,552,000 | 1,452,000 | 1,262,000 |
| Securities held to maturity | 107,594,000 | 107,801,000 | 106,711,000 | 104,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,661,000 | 240,612,000 | 241,743,000 | 243,014,000 |
| Interest-bearing deposits | 219,517,000 | 221,929,000 | 220,147,000 | 219,785,000 |
| Noninterest-bearing deposits | 19,144,000 | 18,683,000 | 21,596,000 | 23,229,000 |
| Equity capital | 39,092,000 | 39,628,000 | 40,175,000 | 40,582,000 |
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 | 2,303,000 | 4,573,000 | 6,830,000 | 9,064,000 |
| Interest expense | 325,000 | 683,000 | 1,041,000 | 1,398,000 |
| Net interest income | 1,978,000 | 3,890,000 | 5,789,000 | 7,666,000 |
| Noninterest income | 147,000 | 300,000 | 498,000 | 667,000 |
| Noninterest expense | 1,383,000 | 2,760,000 | 4,135,000 | 5,655,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 75,000 |
| Pretax income | 727,000 | 1,400,000 | 2,107,000 | 2,603,000 |
| Income tax | 157,000 | 291,000 | 447,000 | 523,000 |
| Net income | 570,000 | 1,109,000 | 1,660,000 | 2,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,958,000 | 39,540,000 | 40,092,000 | 40,511,000 |
| Total capital | 40,186,000 | 40,784,000 | 41,351,000 | 41,800,000 |
| Risk-weighted assets | 130,740,000 | 132,288,000 | 134,888,000 | 140,744,000 |