Call reports 2016
BANESCO USA — 2016
What BANESCO USA 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 | 954,827,000 | 987,003,000 | 969,942,000 | 976,045,000 |
| Total loans | 689,970,000 | 725,426,000 | 733,540,000 | 750,443,000 |
| Allowance for loan losses | 7,958,000 | 7,478,000 | 7,172,000 | 16,639,000 |
| Securities available for sale | 212,719,000 | 180,501,000 | 162,036,000 | 169,426,000 |
| Securities held to maturity | 1,221,000 | 1,214,000 | 1,206,000 | 1,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 753,774,000 | 775,904,000 | 787,555,000 | 788,229,000 |
| Interest-bearing deposits | 472,471,000 | 481,352,000 | 483,150,000 | 487,978,000 |
| Noninterest-bearing deposits | 281,303,000 | 294,552,000 | 304,405,000 | 300,251,000 |
| Equity capital | 89,872,000 | 92,616,000 | 94,658,000 | 88,368,000 |
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 | 9,790,000 | 19,420,000 | 29,400,000 | 39,271,000 |
| Interest expense | 1,057,000 | 2,188,000 | 3,361,000 | 4,555,000 |
| Net interest income | 8,733,000 | 17,232,000 | 26,039,000 | 34,716,000 |
| Noninterest income | 1,538,000 | 3,475,000 | 5,680,000 | 7,769,000 |
| Noninterest expense | 9,289,000 | 18,350,000 | 27,119,000 | 34,511,000 |
| Provision for loan losses | 0 | -482,000 | -779,000 | 9,070,000 |
| Pretax income | 1,106,000 | 3,393,000 | 6,594,000 | 171,000 |
| Income tax | 432,000 | 1,227,000 | 2,445,000 | -255,000 |
| Net income | 674,000 | 2,166,000 | 4,149,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,899,000 | 92,418,000 | 94,421,000 | 90,715,000 |
| Total capital | 99,455,000 | 100,930,000 | 102,792,000 | 100,689,000 |
| Risk-weighted assets | 745,686,000 | 756,278,000 | 765,432,000 | 789,872,000 |