Call reports 2016
SAVINGS BANK — 2016
What 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 | 181,772,000 | 183,768,000 | 185,382,000 | 191,122,000 |
| Total loans | 140,328,000 | 140,295,000 | 145,444,000 | 151,110,000 |
| Allowance for loan losses | 1,620,000 | 1,728,000 | 1,773,000 | 1,854,000 |
| Securities available for sale | 7,764,000 | 5,867,000 | 5,999,000 | 5,957,000 |
| Securities held to maturity | 29,459,000 | 29,990,000 | 30,203,000 | 31,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,982,000 | 164,473,000 | 162,012,000 | 161,488,000 |
| Interest-bearing deposits | 146,017,000 | 149,378,000 | 147,277,000 | 143,700,000 |
| Noninterest-bearing deposits | 13,965,000 | 15,095,000 | 14,735,000 | 17,788,000 |
| Equity capital | 18,409,000 | 18,907,000 | 19,398,000 | 19,642,000 |
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 | 1,915,000 | 3,782,000 | 5,708,000 | 7,656,000 |
| Interest expense | 344,000 | 702,000 | 1,066,000 | 1,431,000 |
| Net interest income | 1,571,000 | 3,080,000 | 4,642,000 | 6,225,000 |
| Noninterest income | 63,000 | 130,000 | 194,000 | 263,000 |
| Noninterest expense | 661,000 | 1,327,000 | 2,018,000 | 2,774,000 |
| Provision for loan losses | 105,000 | 210,000 | 305,000 | 395,000 |
| Pretax income | 868,000 | 1,687,000 | 2,527,000 | 3,333,000 |
| Income tax | 48,000 | 93,000 | 136,000 | 163,000 |
| Net income | 820,000 | 1,594,000 | 2,391,000 | 3,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,426,000 | 18,893,000 | 19,384,000 | 19,628,000 |
| Total capital | 20,046,000 | 20,621,000 | 21,156,000 | 21,482,000 |
| Risk-weighted assets | 156,773,000 | 158,287,000 | 159,324,000 | 164,948,000 |
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