Call reports 2016
CUSTER FEDERAL STATE BANK — 2016
What CUSTER FEDERAL STATE 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 | 114,255,000 | 119,638,000 | 121,502,000 | 124,865,000 |
| Total loans | 97,629,000 | 103,236,000 | 106,622,000 | 107,668,000 |
| Allowance for loan losses | 1,106,000 | 1,197,000 | 1,208,000 | 1,217,000 |
| Securities available for sale | 510,000 | 456,000 | 438,000 | 422,000 |
| Securities held to maturity | 8,591,000 | 8,019,000 | 7,522,000 | 7,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,309,000 | 88,652,000 | 95,292,000 | 97,864,000 |
| Interest-bearing deposits | 81,792,000 | 84,727,000 | 90,935,000 | 93,417,000 |
| Noninterest-bearing deposits | 3,517,000 | 3,925,000 | 4,357,000 | 4,447,000 |
| Equity capital | 10,236,000 | 10,487,000 | 10,559,000 | 10,950,000 |
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 | 1,372,000 | 2,771,000 | 4,234,000 | 5,728,000 |
| Interest expense | 312,000 | 637,000 | 986,000 | 1,338,000 |
| Net interest income | 1,060,000 | 2,134,000 | 3,248,000 | 4,390,000 |
| Noninterest income | 60,000 | 103,000 | 225,000 | 306,000 |
| Noninterest expense | 708,000 | 1,366,000 | 2,026,000 | 2,822,000 |
| Provision for loan losses | 34,000 | 108,000 | 140,000 | 168,000 |
| Pretax income | 378,000 | 763,000 | 1,307,000 | 1,706,000 |
| Income tax | 132,000 | 265,000 | 617,000 | 628,000 |
| Net income | 246,000 | 498,000 | 690,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,225,000 | 10,477,000 | 10,545,000 | 10,933,000 |
| Total capital | 11,360,000 | 11,675,000 | 11,754,000 | 12,153,000 |
| Risk-weighted assets | 94,716,000 | 99,612,000 | 103,557,000 | 105,573,000 |