Call reports 2016
CITY SAVINGS BANK & TRUST COMPANY — 2016
What CITY SAVINGS BANK & TRUST COMPANY 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 | 319,413,000 | 323,103,000 | 323,967,000 | 324,724,000 |
| Total loans | 235,111,000 | 242,663,000 | 245,132,000 | 244,367,000 |
| Allowance for loan losses | 3,020,000 | 3,139,000 | 3,234,000 | 3,292,000 |
| Securities available for sale | 35,760,000 | 41,530,000 | 38,551,000 | 37,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,402,000 | 286,865,000 | 291,992,000 | 293,244,000 |
| Interest-bearing deposits | 205,749,000 | 209,356,000 | 213,768,000 | 215,921,000 |
| Noninterest-bearing deposits | 77,653,000 | 77,509,000 | 78,224,000 | 77,323,000 |
| Equity capital | 34,808,000 | 35,088,000 | 30,673,000 | 30,411,000 |
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 | 3,839,000 | 7,632,000 | 11,618,000 | 15,495,000 |
| Interest expense | 237,000 | 477,000 | 723,000 | 950,000 |
| Net interest income | 3,602,000 | 7,155,000 | 10,895,000 | 14,545,000 |
| Noninterest income | 809,000 | 1,666,000 | 2,541,000 | 3,381,000 |
| Noninterest expense | 2,606,000 | 5,473,000 | 8,400,000 | 11,048,000 |
| Provision for loan losses | 166,000 | 356,000 | 546,000 | 923,000 |
| Pretax income | 1,639,000 | 2,992,000 | 4,490,000 | 5,955,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,639,000 | 2,992,000 | 4,490,000 | 5,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,659,000 | 34,878,000 | 30,601,000 | 30,582,000 |
| Total capital | 37,556,000 | 37,749,000 | 33,501,000 | 33,479,000 |
| Risk-weighted assets | 231,674,000 | 229,441,000 | 231,742,000 | 231,392,000 |