Call reports 2016
A J SMITH FEDERAL SAVINGS BANK — 2016
What A J SMITH FEDERAL 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 | 206,602,000 | 202,131,000 | 204,339,000 | 201,568,000 |
| Total loans | 114,173,000 | 110,823,000 | 112,064,000 | 113,834,000 |
| Allowance for loan losses | 901,000 | 864,000 | 838,000 | 825,000 |
| Securities available for sale | 44,477,000 | 45,847,000 | 44,217,000 | 44,285,000 |
| Securities held to maturity | 275,000 | 274,000 | 273,000 | 273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,480,000 | 166,063,000 | 171,354,000 | 168,872,000 |
| Interest-bearing deposits | 146,538,000 | 144,046,000 | 146,438,000 | 143,206,000 |
| Noninterest-bearing deposits | 22,942,000 | 22,017,000 | 24,916,000 | 25,666,000 |
| Equity capital | 30,084,000 | 30,390,000 | 29,295,000 | 29,041,000 |
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 | 1,296,000 | 2,556,000 | 3,767,000 | 4,994,000 |
| Interest expense | 170,000 | 321,000 | 414,000 | 545,000 |
| Net interest income | 1,126,000 | 2,235,000 | 3,353,000 | 4,449,000 |
| Noninterest income | 128,000 | 297,000 | 448,000 | 582,000 |
| Noninterest expense | 1,088,000 | 2,189,000 | 3,302,000 | 4,396,000 |
| Provision for loan losses | -60,000 | -110,000 | -140,000 | -150,000 |
| Pretax income | 261,000 | 525,000 | 711,000 | 857,000 |
| Income tax | 73,000 | 163,000 | 221,000 | 253,000 |
| Net income | 188,000 | 362,000 | 490,000 | 604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,162,000 | 28,376,000 | 27,509,000 | 27,767,000 |
| Total capital | 29,063,000 | 29,240,000 | 28,347,000 | 28,592,000 |
| Risk-weighted assets | 84,944,000 | 84,808,000 | 82,775,000 | 82,960,000 |