Call reports 2016
SCOTTSBURG BUILDING AND LOAN ASSOCIATION — 2016
What SCOTTSBURG BUILDING AND LOAN 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 | 94,565,000 | 94,646,000 | 94,736,000 | 94,163,000 |
| Total loans | 48,000,000 | 47,434,000 | 47,404,000 | 47,874,000 |
| Allowance for loan losses | 420,000 | 420,000 | 420,000 | 420,000 |
| Securities available for sale | 34,347,000 | 36,906,000 | 37,238,000 | 36,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,202,000 | 72,694,000 | 72,631,000 | 73,540,000 |
| Interest-bearing deposits | 72,749,000 | 72,107,000 | 72,077,000 | 72,244,000 |
| Noninterest-bearing deposits | 453,000 | 587,000 | 554,000 | 1,296,000 |
| Equity capital | 11,736,000 | 12,344,000 | 12,498,000 | 11,972,000 |
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 | 864,000 | 1,672,000 | 2,459,000 | 3,247,000 |
| Interest expense | 243,000 | 486,000 | 730,000 | 975,000 |
| Net interest income | 621,000 | 1,186,000 | 1,729,000 | 2,272,000 |
| Noninterest income | 50,000 | 99,000 | 148,000 | 138,000 |
| Noninterest expense | 431,000 | 887,000 | 1,331,000 | 1,815,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 240,000 | 409,000 | 512,000 | 561,000 |
| Income tax | 71,000 | 102,000 | 113,000 | 39,000 |
| Net income | 169,000 | 307,000 | 399,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,945,000 | 12,084,000 | 12,259,000 | 12,382,000 |
| Total capital | 12,365,000 | 12,504,000 | 12,695,000 | 12,840,000 |
| Risk-weighted assets | 45,340,000 | 44,602,000 | 44,167,000 | 44,465,000 |