Call reports 2016
JEWETT CITY SAVINGS BANK — 2016
What JEWETT CITY 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 | 257,353,000 | 262,753,000 | 265,811,000 | 269,682,000 |
| Total loans | 176,906,000 | 180,128,000 | 187,108,000 | 193,115,000 |
| Allowance for loan losses | 1,640,000 | 1,697,000 | 1,730,000 | 1,871,000 |
| Securities available for sale | 41,234,000 | 39,083,000 | 37,060,000 | 34,506,000 |
| Securities held to maturity | 2,881,000 | 2,859,000 | 2,835,000 | 2,821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,373,000 | 214,371,000 | 216,978,000 | 212,356,000 |
| Interest-bearing deposits | 174,903,000 | 176,756,000 | 174,807,000 | 173,067,000 |
| Noninterest-bearing deposits | 34,470,000 | 37,615,000 | 42,171,000 | 39,289,000 |
| Equity capital | 43,202,000 | 43,556,000 | 43,817,000 | 43,993,000 |
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 | 2,300,000 | 4,671,000 | 7,035,000 | 9,483,000 |
| Interest expense | 208,000 | 423,000 | 632,000 | 852,000 |
| Net interest income | 2,092,000 | 4,248,000 | 6,403,000 | 8,631,000 |
| Noninterest income | 396,000 | 805,000 | 1,231,000 | 1,665,000 |
| Noninterest expense | 2,164,000 | 4,312,000 | 6,490,000 | 8,508,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 316,000 |
| Pretax income | 270,000 | 747,000 | 1,198,000 | 1,846,000 |
| Income tax | 61,000 | 216,000 | 347,000 | 558,000 |
| Net income | 209,000 | 531,000 | 851,000 | 1,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,567,000 | 41,888,000 | 42,209,000 | 42,645,000 |
| Total capital | 43,213,000 | 43,589,000 | 43,944,000 | 44,516,000 |
| Risk-weighted assets | 161,899,000 | 165,830,000 | 170,505,000 | 179,663,000 |