Call reports 2016
CFG BANK — 2016
What CFG 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 | 616,676,000 | 691,476,000 | 676,342,000 | 711,150,000 |
| Total loans | 528,186,000 | 584,208,000 | 604,487,000 | 601,682,000 |
| Allowance for loan losses | 6,485,000 | 8,932,000 | 9,353,000 | 8,981,000 |
| Securities available for sale | 27,167,000 | 44,393,000 | 7,920,000 | 20,695,000 |
| Securities held to maturity | 2,067,000 | 2,056,000 | 1,085,000 | 1,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,485,000 | 535,208,000 | 526,042,000 | 617,982,000 |
| Interest-bearing deposits | 398,829,000 | 417,057,000 | 415,276,000 | 438,770,000 |
| Noninterest-bearing deposits | 119,656,000 | 118,151,000 | 110,766,000 | 179,212,000 |
| Equity capital | 78,999,000 | 78,017,000 | 79,597,000 | 82,339,000 |
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 | 8,398,000 | 17,012,000 | 26,215,000 | 37,681,000 |
| Interest expense | 645,000 | 1,392,000 | 2,225,000 | 3,078,000 |
| Net interest income | 7,753,000 | 15,620,000 | 23,990,000 | 34,603,000 |
| Noninterest income | 2,616,000 | 5,483,000 | 8,442,000 | 11,057,000 |
| Noninterest expense | 6,195,000 | 12,720,000 | 19,754,000 | 25,064,000 |
| Provision for loan losses | 625,000 | 3,336,000 | 4,087,000 | 7,114,000 |
| Pretax income | 3,561,000 | 5,059,000 | 8,603,000 | 13,494,000 |
| Income tax | 0 | 22,000 | 22,000 | 0 |
| Net income | 3,561,000 | 5,037,000 | 8,581,000 | 13,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,737,000 | 61,621,000 | 63,777,000 | 66,534,000 |
| Total capital | 69,387,000 | 69,134,000 | 71,551,000 | 74,419,000 |
| Risk-weighted assets | 552,943,000 | 584,298,000 | 605,604,000 | 615,032,000 |