Call reports 2015
CITY SAVINGS BANK & TRUST COMPANY — 2015
What CITY SAVINGS BANK & TRUST COMPANY 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 | 312,365,000 | 307,240,000 | 308,266,000 | 313,402,000 |
| Total loans | 237,429,000 | 233,839,000 | 236,587,000 | 232,651,000 |
| Allowance for loan losses | 2,955,000 | 3,054,000 | 3,052,000 | 2,987,000 |
| Securities available for sale | 29,642,000 | 32,893,000 | 32,904,000 | 36,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,244,000 | 273,804,000 | 273,298,000 | 277,612,000 |
| Interest-bearing deposits | 200,389,000 | 196,621,000 | 196,986,000 | 198,941,000 |
| Noninterest-bearing deposits | 78,855,000 | 77,183,000 | 76,312,000 | 78,671,000 |
| Equity capital | 31,776,000 | 32,045,000 | 33,195,000 | 34,432,000 |
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 | 3,964,000 | 7,819,000 | 11,707,000 | 15,469,000 |
| Interest expense | 257,000 | 516,000 | 773,000 | 1,024,000 |
| Net interest income | 3,707,000 | 7,303,000 | 10,934,000 | 14,445,000 |
| Noninterest income | 540,000 | 1,218,000 | 2,035,000 | 2,804,000 |
| Noninterest expense | 2,306,000 | 4,884,000 | 7,449,000 | 10,160,000 |
| Provision for loan losses | 130,000 | 235,000 | 370,000 | 526,000 |
| Pretax income | 1,811,000 | 3,402,000 | 5,150,000 | 6,563,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,811,000 | 3,402,000 | 5,150,000 | 6,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,524,000 | 31,854,000 | 32,988,000 | 34,401,000 |
| Total capital | 34,280,000 | 34,510,000 | 35,731,000 | 37,127,000 |
| Risk-weighted assets | 220,304,000 | 212,092,000 | 219,193,000 | 217,878,000 |