Call reports 2015
COMMUNITY FEDERAL SAVINGS BANK — 2015
What COMMUNITY FEDERAL SAVINGS BANK 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 | 138,264,000 | 144,505,000 | 155,799,000 | 161,130,000 |
| Total loans | 75,607,000 | 78,058,000 | 89,108,000 | 83,742,000 |
| Allowance for loan losses | 595,000 | 595,000 | 692,000 | 730,000 |
| Securities available for sale | 7,221,000 | 8,374,000 | 7,210,000 | 6,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,175,000 | 129,376,000 | 138,198,000 | 144,633,000 |
| Interest-bearing deposits | 77,459,000 | 73,876,000 | 62,964,000 | 66,178,000 |
| Noninterest-bearing deposits | 42,716,000 | 55,500,000 | 75,234,000 | 78,455,000 |
| Equity capital | 15,236,000 | 14,343,000 | 16,741,000 | 15,705,000 |
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 | 1,170,000 | 2,326,000 | 3,712,000 | 4,924,000 |
| Interest expense | 152,000 | 307,000 | 456,000 | 601,000 |
| Net interest income | 1,018,000 | 2,019,000 | 3,256,000 | 4,323,000 |
| Noninterest income | 127,000 | 481,000 | 1,155,000 | 2,167,000 |
| Noninterest expense | 1,767,000 | 3,941,000 | 6,393,000 | 9,442,000 |
| Provision for loan losses | 96,000 | 96,000 | 193,000 | 231,000 |
| Pretax income | -719,000 | -1,538,000 | -2,176,000 | -3,184,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | -719,000 | -1,540,000 | -2,178,000 | -3,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,132,000 | 14,311,000 | 16,674,000 | 15,665,000 |
| Total capital | 15,727,000 | 14,906,000 | 17,366,000 | 16,399,000 |
| Risk-weighted assets | 68,782,000 | 73,311,000 | 93,058,000 | 88,000,000 |