Call reports 2016
CBL STATE SAVINGS BANK — 2016
What CBL STATE 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 | 124,315,000 | 125,248,000 | 126,528,000 | 126,303,000 |
| Total loans | 86,326,000 | 83,559,000 | 87,324,000 | 88,104,000 |
| Allowance for loan losses | 975,000 | 985,000 | 1,148,000 | 1,030,000 |
| Securities available for sale | 16,186,000 | 15,258,000 | 14,751,000 | 14,569,000 |
| Securities held to maturity | 6,689,000 | 6,402,000 | 7,670,000 | 8,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,762,000 | 88,580,000 | 88,539,000 | 88,605,000 |
| Interest-bearing deposits | 87,679,000 | 88,451,000 | 88,440,000 | 88,516,000 |
| Noninterest-bearing deposits | 83,000 | 129,000 | 99,000 | 89,000 |
| Equity capital | 26,198,000 | 26,377,000 | 26,717,000 | 26,590,000 |
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 | 1,299,000 | 2,592,000 | 3,936,000 | 5,351,000 |
| Interest expense | 254,000 | 515,000 | 783,000 | 1,051,000 |
| Net interest income | 1,045,000 | 2,077,000 | 3,153,000 | 4,300,000 |
| Noninterest income | 45,000 | 89,000 | 137,000 | 200,000 |
| Noninterest expense | 792,000 | 1,493,000 | 2,192,000 | 3,341,000 |
| Provision for loan losses | 0 | 0 | 0 | -97,000 |
| Pretax income | 298,000 | 673,000 | 1,098,000 | 1,256,000 |
| Income tax | 109,000 | 247,000 | 403,000 | 459,000 |
| Net income | 189,000 | 426,000 | 695,000 | 797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,081,000 | 26,219,000 | 26,488,000 | 26,589,000 |
| Total capital | 26,919,000 | 27,048,000 | 27,327,000 | 27,435,000 |
| Risk-weighted assets | 66,877,000 | 66,167,000 | 66,807,000 | 67,458,000 |