Call reports 2014
CUSB BANK — 2014
What CUSB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 421,411,000 | 428,993,000 | 441,355,000 | 446,546,000 |
| Total loans | 287,646,000 | 297,133,000 | 307,788,000 | 313,673,000 |
| Allowance for loan losses | 3,611,000 | 3,775,000 | 3,880,000 | 4,107,000 |
| Securities available for sale | 68,913,000 | 70,046,000 | 70,521,000 | 70,660,000 |
| Securities held to maturity | 36,092,000 | 36,078,000 | 36,065,000 | 36,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,153,000 | 347,443,000 | 353,042,000 | 352,340,000 |
| Interest-bearing deposits | 335,495,000 | 320,552,000 | 326,546,000 | 325,731,000 |
| Noninterest-bearing deposits | 21,658,000 | 26,891,000 | 26,497,000 | 26,609,000 |
| Equity capital | 47,857,000 | 50,689,000 | 51,754,000 | 52,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,013,000 | 8,070,000 | 12,206,000 | 16,457,000 |
| Interest expense | 617,000 | 1,214,000 | 1,816,000 | 2,421,000 |
| Net interest income | 3,396,000 | 6,856,000 | 10,390,000 | 14,036,000 |
| Noninterest income | 547,000 | 1,223,000 | 1,854,000 | 2,496,000 |
| Noninterest expense | 2,331,000 | 4,420,000 | 6,636,000 | 8,855,000 |
| Provision for loan losses | 226,000 | 453,000 | 679,000 | 1,105,000 |
| Pretax income | 1,413,000 | 3,233,000 | 4,956,000 | 6,599,000 |
| Income tax | 69,000 | 162,000 | 246,000 | 337,000 |
| Net income | 1,344,000 | 3,071,000 | 4,710,000 | 6,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,854,000 | 45,604,000 | 46,268,000 | 46,657,000 |
| Total capital | 47,465,000 | 49,379,000 | 50,148,000 | 50,764,000 |
| Risk-weighted assets | 388,351,000 | 402,637,000 | 416,114,000 | 427,774,000 |