Call reports 2016
CCFBANK NATIONAL ASSOCIATION — 2016
What CCFBANK NATIONAL ASSOCIATION 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 | 601,800,000 | 723,009,000 | 695,865,000 | 686,414,000 |
| Total loans | 467,171,000 | 585,436,000 | 574,601,000 | 549,309,000 |
| Allowance for loan losses | 6,303,000 | 6,236,000 | 6,068,000 | 5,917,000 |
| Securities available for sale | 86,114,000 | 84,508,000 | 80,123,000 | 81,136,000 |
| Securities held to maturity | 7,427,000 | 7,163,000 | 6,669,000 | 6,235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,850,000 | 586,205,000 | 561,261,000 | 538,479,000 |
| Interest-bearing deposits | 444,473,000 | 547,669,000 | 512,271,000 | 487,434,000 |
| Noninterest-bearing deposits | 30,377,000 | 38,536,000 | 48,990,000 | 51,045,000 |
| Equity capital | 62,067,000 | 74,556,000 | 72,079,000 | 71,494,000 |
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 | 5,757,000 | 12,248,000 | 19,466,000 | 26,434,000 |
| Interest expense | 1,114,000 | 2,363,000 | 3,743,000 | 5,036,000 |
| Net interest income | 4,643,000 | 9,885,000 | 15,723,000 | 21,398,000 |
| Noninterest income | 818,000 | 1,770,000 | 2,865,000 | 4,124,000 |
| Noninterest expense | 4,377,000 | 9,090,000 | 15,716,000 | 21,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,088,000 | 2,612,000 | 2,935,000 | 4,548,000 |
| Income tax | 375,000 | 924,000 | 973,000 | 1,521,000 |
| Net income | 713,000 | 1,688,000 | 1,962,000 | 3,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,175,000 | 68,688,000 | 66,278,000 | 67,385,000 |
| Total capital | 66,315,000 | 74,924,000 | 72,346,000 | 73,302,000 |
| Risk-weighted assets | 410,035,000 | 521,173,000 | 514,600,000 | 498,150,000 |