Call reports 2016
COMMUNITY FEDERAL SAVINGS BANK — 2016
What COMMUNITY FEDERAL SAVINGS BANK 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 | 124,184,000 | 145,363,000 | 132,830,000 | 134,786,000 |
| Total loans | 80,658,000 | 74,099,000 | 72,690,000 | 83,230,000 |
| Allowance for loan losses | 765,000 | 660,000 | 640,000 | 762,000 |
| Securities available for sale | 8,282,000 | 9,184,000 | 8,397,000 | 10,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,278,000 | 130,873,000 | 119,274,000 | 120,234,000 |
| Interest-bearing deposits | 86,065,000 | 86,651,000 | 89,644,000 | 61,294,000 |
| Noninterest-bearing deposits | 23,213,000 | 44,222,000 | 29,631,000 | 58,940,000 |
| Equity capital | 14,410,000 | 14,026,000 | 12,978,000 | 13,394,000 |
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 | 1,204,000 | 2,519,000 | 3,586,000 | 4,924,000 |
| Interest expense | 149,000 | 319,000 | 494,000 | 703,000 |
| Net interest income | 1,055,000 | 2,200,000 | 3,092,000 | 4,221,000 |
| Noninterest income | 913,000 | 1,680,000 | 2,630,000 | 3,690,000 |
| Noninterest expense | 3,311,000 | 6,266,000 | 10,146,000 | 12,929,000 |
| Provision for loan losses | 46,000 | -59,000 | -79,000 | 43,000 |
| Pretax income | -1,389,000 | -2,327,000 | -4,345,000 | -5,061,000 |
| Income tax | 0 | 0 | 2,000 | 0 |
| Net income | -1,389,000 | -2,327,000 | -4,347,000 | -5,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,276,000 | 13,838,000 | 12,818,000 | 13,604,000 |
| Total capital | 15,046,000 | 14,503,000 | 13,464,000 | 14,373,000 |
| Risk-weighted assets | 82,305,000 | 74,674,000 | 72,280,000 | 79,499,000 |