Call reports 2015
CUSTER FEDERAL STATE BANK — 2015
What CUSTER FEDERAL STATE 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 | 104,522,000 | 111,477,000 | 120,534,000 | 120,607,000 |
| Total loans | 86,741,000 | 95,789,000 | 102,640,000 | 103,366,000 |
| Allowance for loan losses | 879,000 | 942,000 | 930,000 | 1,047,000 |
| Securities available for sale | 595,000 | 572,000 | 553,000 | 527,000 |
| Securities held to maturity | 10,694,000 | 10,183,000 | 9,664,000 | 9,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,928,000 | 83,451,000 | 87,342,000 | 87,846,000 |
| Interest-bearing deposits | 78,461,000 | 79,406,000 | 83,414,000 | 83,668,000 |
| Noninterest-bearing deposits | 4,467,000 | 4,045,000 | 3,928,000 | 4,178,000 |
| Equity capital | 9,176,000 | 9,390,000 | 9,646,000 | 9,989,000 |
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 | 1,195,000 | 2,480,000 | 3,892,000 | 5,357,000 |
| Interest expense | 261,000 | 524,000 | 813,000 | 1,107,000 |
| Net interest income | 934,000 | 1,956,000 | 3,079,000 | 4,250,000 |
| Noninterest income | 36,000 | 79,000 | 131,000 | 196,000 |
| Noninterest expense | 584,000 | 1,197,000 | 1,868,000 | 2,442,000 |
| Provision for loan losses | 51,000 | 110,000 | 137,000 | 270,000 |
| Pretax income | 335,000 | 728,000 | 1,205,000 | 1,734,000 |
| Income tax | 117,000 | 252,000 | 420,000 | 604,000 |
| Net income | 218,000 | 476,000 | 785,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,163,000 | 9,377,000 | 9,634,000 | 9,979,000 |
| Total capital | 10,050,000 | 10,320,000 | 10,624,000 | 11,028,000 |
| Risk-weighted assets | 84,818,000 | 91,474,000 | 99,759,000 | 100,725,000 |