Call reports 2016
BRAINERD SAVINGS & LOAN FEDERAL ASSOCIATION — 2016
What BRAINERD SAVINGS & LOAN FEDERAL ASSOCIATION 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 | 65,527,000 | 63,456,000 | 64,658,000 | 64,733,000 |
| Total loans | 44,804,000 | 44,097,000 | 44,989,000 | 44,488,000 |
| Allowance for loan losses | 431,000 | 432,000 | 432,000 | 427,000 |
| Securities available for sale | 9,992,000 | 11,030,000 | 9,068,000 | 8,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,673,000 | 49,038,000 | 50,735,000 | 50,801,000 |
| Interest-bearing deposits | 46,991,000 | 45,480,000 | 46,648,000 | 46,902,000 |
| Noninterest-bearing deposits | 3,682,000 | 3,558,000 | 4,087,000 | 3,899,000 |
| Equity capital | 5,496,000 | 5,571,000 | 5,607,000 | 5,499,000 |
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 | 606,000 | 1,198,000 | 1,788,000 | 2,373,000 |
| Interest expense | 134,000 | 267,000 | 392,000 | 518,000 |
| Net interest income | 472,000 | 931,000 | 1,396,000 | 1,855,000 |
| Noninterest income | 12,000 | 72,000 | 233,000 | 503,000 |
| Noninterest expense | 577,000 | 1,159,000 | 1,768,000 | 2,453,000 |
| Provision for loan losses | 0 | 0 | 0 | 11,000 |
| Pretax income | -10,000 | 13,000 | 96,000 | 156,000 |
| Income tax | -5,000 | 2,000 | 41,000 | 61,000 |
| Net income | -5,000 | 11,000 | 55,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,425,000 | 5,512,000 | 5,616,000 | 5,580,000 |
| Total capital | 5,856,000 | 5,944,000 | 6,048,000 | 6,007,000 |
| Risk-weighted assets | 40,359,000 | 38,779,000 | 38,969,000 | 38,756,000 |