Call reports 2016
NBW BANK — 2016
What NBW 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 | 144,553,000 | 141,679,000 | 143,797,000 | 155,319,000 |
| Total loans | 99,427,000 | 103,232,000 | 105,246,000 | 107,003,000 |
| Allowance for loan losses | 1,544,000 | 1,574,000 | 1,587,000 | 1,608,000 |
| Securities available for sale | 18,844,000 | 20,189,000 | 19,600,000 | 19,168,000 |
| Securities held to maturity | 8,529,000 | 8,493,000 | 8,381,000 | 8,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,522,000 | 124,276,000 | 125,818,000 | 136,896,000 |
| Interest-bearing deposits | 97,155,000 | 95,388,000 | 94,987,000 | 100,302,000 |
| Noninterest-bearing deposits | 28,367,000 | 28,888,000 | 30,831,000 | 36,594,000 |
| Equity capital | 16,606,000 | 16,891,000 | 17,247,000 | 16,726,000 |
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 | 1,474,000 | 3,011,000 | 4,543,000 | 6,090,000 |
| Interest expense | 117,000 | 227,000 | 337,000 | 444,000 |
| Net interest income | 1,357,000 | 2,784,000 | 4,206,000 | 5,646,000 |
| Noninterest income | 108,000 | 281,000 | 457,000 | 590,000 |
| Noninterest expense | 858,000 | 1,815,000 | 2,775,000 | 3,860,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 570,000 |
| Pretax income | 577,000 | 1,190,000 | 1,786,000 | 1,814,000 |
| Income tax | 170,000 | 357,000 | 536,000 | 491,000 |
| Net income | 407,000 | 833,000 | 1,250,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,850,000 | 16,089,000 | 16,505,000 | 16,513,000 |
| Total capital | 17,295,000 | 17,534,000 | 17,965,000 | 18,000,000 |
| Risk-weighted assets | 115,412,000 | 115,396,000 | 116,602,000 | 118,912,000 |