Call reports 2016
ISLANDERS BANK — 2016
What ISLANDERS 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 | 269,762,000 | 280,478,000 | 280,399,000 | 258,731,000 |
| Total loans | 183,523,000 | 190,075,000 | 190,242,000 | 185,832,000 |
| Allowance for loan losses | 2,203,000 | 2,208,000 | 2,231,000 | 2,088,000 |
| Securities available for sale | 29,005,000 | 35,907,000 | 29,760,000 | 26,644,000 |
| Securities held to maturity | 14,199,000 | 14,326,000 | 14,137,000 | 13,828,000 |
| Trading assets | 339,000 | 338,000 | 336,000 | 335,000 |
| Total deposits | 231,769,000 | 241,703,000 | 240,997,000 | 224,977,000 |
| Interest-bearing deposits | 155,701,000 | 161,987,000 | 148,719,000 | 135,614,000 |
| Noninterest-bearing deposits | 76,068,000 | 79,716,000 | 92,278,000 | 89,363,000 |
| Equity capital | 36,693,000 | 37,317,000 | 37,732,000 | 32,857,000 |
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 | 2,570,000 | 5,210,000 | 7,910,000 | 10,511,000 |
| Interest expense | 82,000 | 164,000 | 238,000 | 299,000 |
| Net interest income | 2,488,000 | 5,046,000 | 7,672,000 | 10,212,000 |
| Noninterest income | 260,000 | 565,000 | 920,000 | 1,239,000 |
| Noninterest expense | 1,497,000 | 3,014,000 | 4,480,000 | 5,971,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 50,000 |
| Pretax income | 1,251,000 | 2,597,000 | 4,114,000 | 5,452,000 |
| Income tax | 395,000 | 820,000 | 1,296,000 | 1,708,000 |
| Net income | 856,000 | 1,777,000 | 2,818,000 | 3,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,653,000 | 37,116,000 | 37,637,000 | 33,099,000 |
| Total capital | 38,876,000 | 39,344,000 | 39,888,000 | 35,207,000 |
| Risk-weighted assets | 192,137,000 | 197,458,000 | 195,580,000 | 191,011,000 |