Call reports 2015
CCFBANK NATIONAL ASSOCIATION — 2015
What CCFBANK NATIONAL ASSOCIATION 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 | 569,737,000 | 565,881,000 | 580,148,000 | 581,770,000 |
| Total loans | 453,619,000 | 458,119,000 | 451,260,000 | 453,649,000 |
| Allowance for loan losses | 6,553,000 | 6,562,000 | 6,496,000 | 6,441,000 |
| Securities available for sale | 54,006,000 | 63,767,000 | 79,921,000 | 87,161,000 |
| Securities held to maturity | 9,038,000 | 8,441,000 | 8,012,000 | 7,724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,186,000 | 457,280,000 | 457,073,000 | 458,041,000 |
| Interest-bearing deposits | 434,333,000 | 434,604,000 | 436,933,000 | 436,399,000 |
| Noninterest-bearing deposits | 21,853,000 | 22,676,000 | 20,140,000 | 21,642,000 |
| Equity capital | 58,473,000 | 58,554,000 | 59,859,000 | 61,497,000 |
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 | 5,708,000 | 11,346,000 | 17,091,000 | 22,780,000 |
| Interest expense | 1,107,000 | 2,203,000 | 3,320,000 | 4,439,000 |
| Net interest income | 4,601,000 | 9,143,000 | 13,771,000 | 18,341,000 |
| Noninterest income | 887,000 | 1,755,000 | 2,728,000 | 3,715,000 |
| Noninterest expense | 4,409,000 | 8,696,000 | 13,068,000 | 16,945,000 |
| Provision for loan losses | 150,000 | 300,000 | 421,000 | 496,000 |
| Pretax income | 975,000 | 1,961,000 | 3,068,000 | 4,673,000 |
| Income tax | 356,000 | 708,000 | 1,100,000 | 1,681,000 |
| Net income | 619,000 | 1,253,000 | 1,968,000 | 2,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,619,000 | 59,285,000 | 59,997,000 | 61,865,000 |
| Total capital | 63,383,000 | 64,167,000 | 64,930,000 | 66,844,000 |
| Risk-weighted assets | 379,351,000 | 388,881,000 | 393,042,000 | 396,881,000 |