Call reports 2016
BANK OF HYDRO — 2016
What BANK OF HYDRO 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 | 124,422,000 | 125,501,000 | 125,939,000 | 118,868,000 |
| Total loans | 119,276,000 | 119,676,000 | 112,802,000 | 113,429,000 |
| Allowance for loan losses | 1,158,000 | 1,161,000 | 1,168,000 | 1,176,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 737,000 | 737,000 | 736,000 | 736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,840,000 | 104,374,000 | 107,932,000 | 103,827,000 |
| Interest-bearing deposits | 78,460,000 | 77,623,000 | 74,156,000 | 72,584,000 |
| Noninterest-bearing deposits | 27,381,000 | 26,751,000 | 33,776,000 | 31,244,000 |
| Equity capital | 11,519,000 | 11,723,000 | 11,922,000 | 12,120,000 |
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 | 1,501,000 | 3,008,000 | 4,492,000 | 5,936,000 |
| Interest expense | 172,000 | 342,000 | 497,000 | 620,000 |
| Net interest income | 1,329,000 | 2,666,000 | 3,995,000 | 5,316,000 |
| Noninterest income | 118,000 | 224,000 | 329,000 | 497,000 |
| Noninterest expense | 606,000 | 1,231,000 | 1,860,000 | 2,554,000 |
| Provision for loan losses | 0 | 2,000 | 10,000 | 18,000 |
| Pretax income | 841,000 | 1,657,000 | 2,454,000 | 3,241,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 841,000 | 1,657,000 | 2,454,000 | 3,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,519,000 | 11,723,000 | 11,922,000 | 12,120,000 |
| Total capital | 12,677,000 | 12,884,000 | 13,090,000 | 13,296,000 |
| Risk-weighted assets | 101,028,000 | 101,928,000 | 96,747,000 | 94,560,000 |