Call reports 2016
EL DORADO SAVINGS BANK, F.S.B. — 2016
What EL DORADO SAVINGS BANK, F.S.B. 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 | 2,039,654,000 | 2,051,111,000 | 2,103,491,000 | 2,111,141,000 |
| Total loans | 472,059,000 | 477,882,000 | 481,258,000 | 501,220,000 |
| Allowance for loan losses | 5,740,000 | 5,646,000 | 5,530,000 | 5,477,000 |
| Securities available for sale | 2,454,000 | 2,416,000 | 2,334,000 | 2,242,000 |
| Securities held to maturity | 1,202,414,000 | 1,239,501,000 | 1,305,024,000 | 1,332,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,829,428,000 | 1,839,155,000 | 1,888,392,000 | 1,892,204,000 |
| Interest-bearing deposits | 1,775,657,000 | 1,783,062,000 | 1,828,068,000 | 1,833,302,000 |
| Noninterest-bearing deposits | 53,771,000 | 56,093,000 | 60,324,000 | 58,902,000 |
| Equity capital | 202,195,000 | 204,010,000 | 205,883,000 | 208,967,000 |
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 | 11,818,000 | 23,516,000 | 35,261,000 | 47,530,000 |
| Interest expense | 750,000 | 1,487,000 | 2,229,000 | 2,937,000 |
| Net interest income | 11,068,000 | 22,029,000 | 33,032,000 | 44,593,000 |
| Noninterest income | 2,188,000 | 4,335,000 | 6,468,000 | 8,638,000 |
| Noninterest expense | 8,294,000 | 16,666,000 | 25,172,000 | 33,572,000 |
| Provision for loan losses | -1,000,000 | -1,000,000 | -1,000,000 | -1,000,000 |
| Pretax income | 5,962,000 | 10,700,000 | 15,330,000 | 20,661,000 |
| Income tax | 2,380,000 | 4,235,000 | 6,044,000 | 7,679,000 |
| Net income | 3,582,000 | 6,465,000 | 9,286,000 | 12,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 198,258,000 | 200,008,000 | 201,806,000 | 204,832,000 |
| Total capital | 204,308,000 | 205,964,000 | 207,646,000 | 210,619,000 |
| Risk-weighted assets | 588,683,000 | 601,377,000 | 622,915,000 | 639,135,000 |