Call reports 2016
PORT RICHMOND SAVINGS — 2016
What PORT RICHMOND SAVINGS 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 | 67,443,000 | 67,060,000 | 68,439,000 | 69,184,000 |
| Total loans | 58,785,000 | 57,992,000 | 59,441,000 | 59,498,000 |
| Allowance for loan losses | 980,000 | 1,013,000 | 972,000 | 974,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,264,000 | 38,870,000 | 39,881,000 | 40,534,000 |
| Interest-bearing deposits | 36,057,000 | 35,175,000 | 35,789,000 | 35,760,000 |
| Noninterest-bearing deposits | 3,207,000 | 3,695,000 | 4,092,000 | 4,774,000 |
| Equity capital | 11,974,000 | 12,168,000 | 12,443,000 | 12,143,000 |
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 | 919,000 | 1,776,000 | 2,700,000 | 3,660,000 |
| Interest expense | 189,000 | 374,000 | 555,000 | 729,000 |
| Net interest income | 730,000 | 1,402,000 | 2,145,000 | 2,931,000 |
| Noninterest income | 6,000 | -12,000 | -46,000 | -2,000 |
| Noninterest expense | 329,000 | 683,000 | 1,108,000 | 2,023,000 |
| Provision for loan losses | 36,000 | 90,000 | 49,000 | 203,000 |
| Pretax income | 371,000 | 617,000 | 942,000 | 703,000 |
| Income tax | 51,000 | 103,000 | 154,000 | 214,000 |
| Net income | 320,000 | 514,000 | 788,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,974,000 | 12,168,000 | 12,443,000 | 12,143,000 |
| Total capital | 12,470,000 | 12,659,000 | 12,949,000 | 12,641,000 |
| Risk-weighted assets | 39,275,000 | 38,829,000 | 39,896,000 | 39,264,000 |