Call reports 2016
CUSB BANK — 2016
What CUSB 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 | 478,663,000 | 478,086,000 | 472,694,000 | 472,530,000 |
| Total loans | 350,421,000 | 351,628,000 | 341,533,000 | 344,505,000 |
| Allowance for loan losses | 4,990,000 | 5,402,000 | 5,849,000 | 7,232,000 |
| Securities available for sale | 69,875,000 | 71,766,000 | 76,044,000 | 75,212,000 |
| Securities held to maturity | 32,982,000 | 24,969,000 | 24,955,000 | 24,941,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,726,000 | 384,771,000 | 384,691,000 | 392,420,000 |
| Interest-bearing deposits | 355,641,000 | 360,109,000 | 361,634,000 | 364,590,000 |
| Noninterest-bearing deposits | 22,085,000 | 24,662,000 | 23,057,000 | 27,830,000 |
| Equity capital | 58,291,000 | 60,454,000 | 61,430,000 | 59,598,000 |
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 | 4,458,000 | 8,964,000 | 13,455,000 | 17,936,000 |
| Interest expense | 651,000 | 1,318,000 | 2,015,000 | 2,748,000 |
| Net interest income | 3,807,000 | 7,646,000 | 11,440,000 | 15,188,000 |
| Noninterest income | 551,000 | 1,224,000 | 2,000,000 | 2,764,000 |
| Noninterest expense | 2,244,000 | 4,565,000 | 6,709,000 | 8,809,000 |
| Provision for loan losses | 328,000 | 955,000 | 1,424,000 | 2,877,000 |
| Pretax income | 1,786,000 | 3,350,000 | 5,307,000 | 6,266,000 |
| Income tax | 80,000 | 141,000 | 225,000 | 266,000 |
| Net income | 1,706,000 | 3,209,000 | 5,082,000 | 6,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,522,000 | 54,040,000 | 55,178,000 | 56,110,000 |
| Total capital | 57,512,000 | 59,442,000 | 61,027,000 | 62,388,000 |
| Risk-weighted assets | 488,640,000 | 494,164,000 | 494,167,000 | 501,318,000 |