Call reports 2015
CUSB BANK — 2015
What CUSB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 459,679,000 | 460,425,000 | 465,806,000 | 468,471,000 |
| Total loans | 328,630,000 | 333,570,000 | 338,934,000 | 339,339,000 |
| Allowance for loan losses | 4,432,000 | 4,704,000 | 5,011,000 | 4,727,000 |
| Securities available for sale | 71,537,000 | 68,425,000 | 67,979,000 | 67,439,000 |
| Securities held to maturity | 35,037,000 | 35,024,000 | 35,010,000 | 34,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,142,000 | 354,400,000 | 370,688,000 | 379,586,000 |
| Interest-bearing deposits | 334,658,000 | 331,615,000 | 349,650,000 | 350,781,000 |
| Noninterest-bearing deposits | 25,484,000 | 22,785,000 | 21,038,000 | 28,805,000 |
| Equity capital | 54,914,000 | 54,201,000 | 55,952,000 | 56,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,197,000 | 8,618,000 | 13,019,000 | 17,479,000 |
| Interest expense | 588,000 | 1,185,000 | 1,807,000 | 2,434,000 |
| Net interest income | 3,609,000 | 7,433,000 | 11,212,000 | 15,045,000 |
| Noninterest income | 590,000 | 1,265,000 | 2,369,000 | 3,000,000 |
| Noninterest expense | 2,245,000 | 4,551,000 | 6,827,000 | 9,527,000 |
| Provision for loan losses | 331,000 | 662,000 | 994,000 | 1,825,000 |
| Pretax income | 1,623,000 | 3,485,000 | 5,764,000 | 6,697,000 |
| Income tax | 77,000 | 181,000 | 244,000 | 104,000 |
| Net income | 1,546,000 | 3,304,000 | 5,520,000 | 6,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,498,000 | 49,271,000 | 50,496,000 | 50,879,000 |
| Total capital | 52,930,000 | 53,975,000 | 55,507,000 | 55,606,000 |
| Risk-weighted assets | 451,455,000 | 458,370,000 | 469,264,000 | 472,500,000 |